HDFC RuPay Credit Card
Benefits
- Rupay Card: Pay via UPI with ease.
- Cashpoints on Spend:
- 3% Cashpoints: On groceries, supermarket, dining spends, and PayZapp transactions (Maximum of 500 points per calendar month).
- 2% Cashpoints: On utility spends (Maximum of 500 points per calendar month).
- 1% Cashpoints: On other spends excluding rent, wallet loads, EMI, fuel, insurance payments, and government categories (Maximum of 500 points per calendar month).
- Smart EMI: Convert spends of ₹2,500 or more into Smart EMIs with competitive interest rates and flexible repayment tenures.
- Milestone Benefits: Get lucrative vouchers upon meeting minimum monthly spending criteria.
Other Amazing Offers
- Revolving Credit Facilities: Access nominal interest rates for revolving credit.
- Liability Waivers: Get liability waivers for fraudulent transactions and card loss, upon prompt reporting.
- Reward Redemption: Redeem CashPoints against the statement balance at the rate of 1 CashPoint = ₹0.25. Redemption can be done via Net Banking or a physical redemption form.
- Rewards: Earn rewards on all spends that can be redeemed for gifts, vouchers, or free flight tickets.
Fees & Charges
- Joining Fee: Starting at ₹500 + GST (Depending on the card selected).
- Annual Fee: Starting at ₹500 + GST (Depending on the card selected).
Documents Needed
- Address Proof: Aadhaar, Passport, Latest utility bills.
- ID Proof: PAN Card, Voter ID, Passport.
- Income Proof: Bank Statement, Salary Slips.
Eligibility Criteria
- Age: 21-65 years
- Employment Status: Salaried or Self-Employed
- Minimum Income:
- ₹20,000 per month (Salaried)
- ₹50,000 per month (Self-Employed)
- Credit Score: 700+
- Citizenship: Indian or Non-Resident Indian
How to Apply
- Click Here to be redirected to HDFC Bank’s website.
- Click Login/Join Now and complete the OTP verification.
- Review the available cards and select the one you are eligible for.
- Provide the required details and submit your application.
- You will receive a confirmation SMS upon approval of your application.
- Track your application status within 72 hours after the Application ID is generated.
IDFC FIRST Power+ Rupay Credit Card
Unlock Exclusive Benefits and Savings with the IDFC First Bank Credit Card!
Welcome Benefits
- Up to ₹1,650 Value:
- ₹500 cashback on your first HPCL fuel transaction of ₹500 or more.
- 5% cashback (up to ₹1,000) on your first EMI conversion.
- ₹150 discount on your first Swiggy order above ₹500 (valid once per user).
- Unlimited Reward Points that never expire!
More Features of the Card
- Fuel Savings: Save up to 6.5% on your fuel expenses, up to ₹35,000 every month.
- Annual Savings: Save up to ₹18,500 annually, which could buy you over 175 liters of fuel.
- Reward Points: Earn unlimited Reward Points with 3X Rewards on retail transactions. Reward Points never expire!
- Grocery & Utility Savings: 5% savings as Rewards on grocery and utility expenses up to ₹2,000 every month.
- FASTag Recharge: 5% savings as Rewards on IDFC FIRST FASTag recharge up to ₹1,000 every month.
- ZoomCar Discount: ₹500 off on ZoomCar rentals.
- Roadside Assistance: Complimentary roadside assistance worth ₹1,399.
- Airport Lounge Access: Complimentary domestic airport lounge access once every quarter with minimum monthly spends of ₹5,000.
- Movie Ticket Discount: 25% off on movie tickets up to ₹100 once every month.
- Insurance Coverage: Personal accident cover of ₹2,00,000 and lost card liability cover of ₹25,000.
Partner Offers
- In-App Discounts: Access 50+ in-app online discount offers.
- Health & Wellness Discounts: Enjoy up to 15% off at 3,000+ health and wellness outlets.
- Dining Discounts: Up to 20% off across 1,500 restaurants.
Fees & Charges
- Joining Fee: ₹499 + GST
- Annual Fee: ₹499 + GST (waived off on annual spends of ₹1,50,000 or more).
Documents Needed
- PAN Card/Form 60
- Address Proof
- ID Proof
- Income Proof
- No physical documents required; upload everything online.
Eligibility Criteria
- Age Group: 21-60 years (Salaried), 25-60 years (Self-employed).
- Income Group:
- Salaried: ₹25,000 (Categories A, A+, B & Government), ₹30,000 (Category D).
- Self-employed: ₹5,00,000.
- Bureau Score: 750+
- Availability: Across major cities and towns in India.
How to Apply
- Click Here to be redirected to the bank’s website.
- Click Apply Now and complete OTP verification.
- Approval Process: Based on successful telephonic verification, at the sole discretion of IDFC First Bank.
- Submit your application and receive a confirmation SMS upon approval.