HDFC RuPay Credit Card Apply: Online & Offline Process (India, 2026)
You can apply for an HDFC RuPay Credit Card easily if you want a card that supports UPI payments, online shopping, and everyday spends. HDFC offers multiple RuPay credit card variants for salaried and self-employed customers.
Quick Summary
- Card network: RuPay
- UPI support: Yes (Credit Card on UPI)
- Apply mode: Online / Branch
- Eligibility: Income & credit score based
- Processing time: Usually 7–10 working days
What Is an HDFC RuPay Credit Card?
An HDFC RuPay Credit Card works like a normal credit card but also allows you to link it with UPI apps (like BHIM, Paytm, PhonePe) for merchant payments where credit-on-UPI is enabled.
Popular HDFC RuPay Credit Cards
Availability may vary, but common options include:
- HDFC RuPay Credit Card (basic variant)
- HDFC RuPay UPI Credit Card
- Entry-level or lifestyle RuPay cards
Card features, limits, and fees depend on the variant you’re offered.
How to Apply for HDFC RuPay Credit Card
Apply Online (Recommended)
Fastest and most convenient method.
Steps:
- Visit HDFC Bank Credit Card application page
- Select RuPay Credit Card
- Enter:
- Mobile number
- PAN details
- Income details
- Complete KYC verification (online)
- Submit application
✔ Instant eligibility check
✔ Minimal paperwork
Apply via HDFC Bank Branch
Best if you prefer in-person help.
Steps:
- Visit your nearest HDFC Bank branch
- Request RuPay Credit Card application form
- Fill personal & income details
- Submit documents
- Bank processes your request
Documents Required
Usually required:
- PAN card
- Aadhaar / Address proof
- Income proof (salary slip / ITR – if asked)
- Recent photograph
Existing HDFC customers may get pre-approved offers with fewer documents.
Eligibility Criteria (Indicative)
- Age: Usually 21–60 years
- Stable income source
- Good credit score
- Existing banking relationship helps approval
Fees & Charges (Indicative)
- Joining fee: May be free or chargeable
- Annual fee: Depends on card variant
- UPI usage: Supported for merchant payments (charges may apply as per merchant category)
Always check the Key Fact Statement before applying.
How to Link HDFC RuPay Credit Card to UPI
After card approval:
- Open your UPI app
- Choose Add Credit Card
- Select RuPay Credit Card
- Verify via OTP
- Start paying via Credit Card on UPI
FAQs – HDFC RuPay Credit Card Apply
Q1. Can I use HDFC RuPay credit card for UPI payments?
A. Yes, for eligible merchant payments.
Q2. Is RuPay credit card accepted everywhere?
A. Acceptance is improving rapidly, especially in India.
Q3. Can existing HDFC credit card users switch to RuPay?
A. In some cases, yes—check with HDFC Bank.
Q4. Is there extra charge for UPI payments?
A. Customers usually don’t pay extra, but merchant-related charges may apply.
Tips Before Applying
- Check your credit score
- Look for lifetime free offers
- Compare RuPay vs Visa/Mastercard features
- Read charges carefully
Conclusion
Applying for an HDFC RuPay Credit Card is simple and ideal if you want the convenience of credit card payments through UPI along with regular card benefits. Online application is the fastest way, while branch support is always available.
