HDFC Bank Rupay Credit Card
HDFC Bank
Annual / renewal fee
- Nil (1st year annual fee).
- ₹500 from 2nd year onwards.
VerifiedMITC – Most Important Terms & Conditions (All ICICI Credit Cards, incl. Coral RuPay) – Last updated Jul 2, 20262 Aug 2026, 11:20 PM ISTHDFC Bank
Earn rate
Confirm on the official page
Official source not yet captured
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at idfcfirst.bank.in — if a different card is shown first, use its card selector to pick this one.
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at idfcfirst.bank.in — if a different card is shown first, use its card selector to pick this one.
Overview
Rupay Credit Card by HDFC Bank. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
₹500 (1st year).
VerifiedMITC – Most Important Terms & Conditions (All ICICI Credit Cards, incl. Coral RuPay) – Last updated Jul 2, 20262 Aug 2026, 11:20 PM ISTHDFC Bank
Annual / renewal fee
- Nil (1st year annual fee).
- ₹500 from 2nd year onwards.
VerifiedMITC – Most Important Terms & Conditions (All ICICI Credit Cards, incl. Coral RuPay) – Last updated Jul 2, 20262 Aug 2026, 11:20 PM ISTHDFC Bank
Fee waiver
- Annual fee reversed if total spends are ₹1,50,000 or more during the anniversary year.
- Reversed on card anniversary year completion.
- EMI transactions, rent, government and education payments excluded from spends.
VerifiedMITC – Most Important Terms & Conditions (All ICICI Credit Cards, incl. Coral RuPay) – Last updated Jul 2, 20262 Aug 2026, 11:20 PM ISTHDFC Bank
Renewal fee
- ₹500 per year (2nd year onwards).
- Supplementary/add-on card fee ₹199 per year.
VerifiedMITC – Most Important Terms & Conditions (All ICICI Credit Cards, incl. Coral RuPay) – Last updated Jul 2, 20262 Aug 2026, 11:20 PM ISTHDFC Bank
Rewards
Redemption value
- Redemption Handling Fee (plus GST) per redemption request: ICICI Bank Rewards Scheme ₹99.
- Catalogue Based Redemptions ₹99.
- Mine Cash Statement Credit Redemptions ₹99.
- Mine Cash Catalogue Based Redemptions ₹25.
- Reward points expire 36 months from date of issuance.
VerifiedMITC – Most Important Terms & Conditions (All ICICI Credit Cards, incl. Coral RuPay) – Last updated Jul 2, 20262 Aug 2026, 11:20 PM ISTHDFC Bank
Reward cap
- Reward points per statement cycle capped for ICICI Bank Coral Credit Card at: Utility spend ₹40,000.
- Insurance spend ₹40,000.
- Grocery and Departmental spend ₹20,000 (w.e.f. Nov 15, 2024).
- Transportation transaction cap ₹10,000 per statement cycle (w.e.f. Feb 01, 2026).
VerifiedMITC – Most Important Terms & Conditions (All ICICI Credit Cards, incl. Coral RuPay) – Last updated Jul 2, 20262 Aug 2026, 11:20 PM ISTHDFC Bank
Reward exclusion
VerifiedMITC – Most Important Terms & Conditions (All ICICI Credit Cards, incl. Coral RuPay) – Last updated Jul 2, 20262 Aug 2026, 11:20 PM ISTHDFC Bank
Travel & lounge
Lounge access
- Domestic airport lounge access: 1 complimentary access per quarter (ICICI bank Coral RuPay Credit Card) unlocked by spending ₹75,000 in the preceding calendar quarter.
- Applicable to eligible cards from Jan 01, 2025.
- Card validation authorisation amount of ₹2 on VISA/MASTERCARD/RUPAY variants (Re. 1 on AMEX).
- Lounge access valid up to 3 hours per visit.
- Complimentary benefit for primary cardholders only.
VerifiedMITC – Most Important Terms & Conditions (All ICICI Credit Cards, incl. Coral RuPay) – Last updated Jul 2, 20262 Aug 2026, 11:20 PM ISTHDFC Bank
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
Confirm on the official page
Official source not yet captured
Milestone benefit
- BookMyShow offer: enjoy the BookMyShow offer on the Credit Card by spending ₹25,000 or more in the preceding quarter.
- Cycle repeats every quarter (w.e.f. Jan 15, 2026).
- Coral Credit Card is among eligible cards.
VerifiedMITC – Most Important Terms & Conditions (All ICICI Credit Cards, incl. Coral RuPay) – Last updated Jul 2, 20262 Aug 2026, 11:20 PM ISTHDFC Bank
Eligibility
Not published in the official documents on file — see the official T&C link below.
Charges & interest
Forex markup
- 3.50% mark-up on foreign currency transactions.
- A refund on similar foreign currency transactions also attracts a 3.5% mark-up fee.
VerifiedMITC – Most Important Terms & Conditions (All ICICI Credit Cards, incl. Coral RuPay) – Last updated Jul 2, 20262 Aug 2026, 11:20 PM ISTHDFC Bank
Charge
- Finance charge: 3.75% per month (45% p.a.) on revolving credit for retail and cash advances (w.e.f. Nov 15, 2024).
- Cash advance transaction fee: 2.5% of advanced amount, min ₹500.
- Card replacement fee: ₹200 for all cards (w.e.f. Jul 1, 2024).
- Dynamic Currency Conversion fee: 3.5% (w.e.f. Jan 15, 2026) on transactions in INR at international locations or at India merchants registered abroad.
- Refunds also attract DCC fee.
- Add-on/Supplementary Card fee: ₹199 (annual, w.e.f. Nov 15, 2024).
- Over-limit charges: 2.50% of over-limit amount, min ₹550 (only with explicit consent).
- Rent Pay: 1% (MCC 6513).
- Fuel transaction: 1% on transactions over ₹10,000.
- Utility transaction: 1% over ₹50,000.
- Transportation transaction: 1% over ₹50,000 (w.e.f. Jan 15, 2026).
- Education payment via third-party apps: 1%.
- Skill-based gaming: 2% (w.e.f. Jan 15, 2026).
- Wallet load: 1% on transactions of ₹5,000 or more (w.e.f. Jan 15, 2026).
- Fee on cash payment at branches: ₹150 per transaction (w.e.f. Jan 15, 2026).
- Late payment charges: None below ₹100.
- ₹100 (₹100-500).
- ₹500 (₹501-1,000).
- ₹600 (₹1,001-5,000).
- ₹750 (₹5,001-10,000).
- ₹900 (₹10,001-25,000).
- ₹1,100 (₹25,001-50,000).
- ₹1,300 (over ₹50,000).
- Return of cheque / Auto-Debit return fee: 2% of Total Amount Due, min ₹500 (plus ₹50 + GST).
- Railway booking surcharge: 1.80% Internet, 2.50% other bookings.
- Redemption handling fee applies.
- GST 18% applicable.
VerifiedMITC – Most Important Terms & Conditions (All ICICI Credit Cards, incl. Coral RuPay) – Last updated Jul 2, 20262 Aug 2026, 11:20 PM ISTHDFC Bank
Fuel surcharge waiver
- Fuel surcharge waiver of 1% of transaction value at HPCL petrol pumps (max transaction ₹4,000 on ICICI Merchant Services swipe machines) and 1% at all petrol pumps on select cards.
- Waiver applicable for spends up to ₹50,000 per statement cycle.
VerifiedMITC – Most Important Terms & Conditions (All ICICI Credit Cards, incl. Coral RuPay) – Last updated Jul 2, 20262 Aug 2026, 11:20 PM ISTHDFC Bank
Interest-free period
- Interest-free period ranges from 18 to 48 days.
- A 3-day grace period is given after the payment due date.
VerifiedMITC – Most Important Terms & Conditions (All ICICI Credit Cards, incl. Coral RuPay) – Last updated Jul 2, 20262 Aug 2026, 11:20 PM ISTHDFC Bank
Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
What is the annual fee on the Rupay Credit Card?
Officially traced: Nil (1st year annual fee).
MITC – Most Important Terms & Conditions (All ICICI Credit Cards, incl. Coral RuPay) – Last updated Jul 2, 2026What is the joining fee on the Rupay Credit Card?
Officially traced: Rs. 500 (1st year).
MITC – Most Important Terms & Conditions (All ICICI Credit Cards, incl. Coral RuPay) – Last updated Jul 2, 2026Is the Rupay Credit Card annual fee ever waived?
Annual fee reversed if total spends are Rs. 1,50,000 or more during the anniversary year; reversed on card anniversary year completion.
MITC – Most Important Terms & Conditions (All ICICI Credit Cards, incl. Coral RuPay) – Last updated Jul 2, 2026What lounge access does the Rupay Credit Card include?
Domestic airport lounge access: 1 complimentary access per quarter (ICICI bank Coral RuPay Credit Card) unlocked by spending Rs. 75,000 in the preceding calendar quarter; applicable to eligible cards from Jan 01, 2025.
MITC – Most Important Terms & Conditions (All ICICI Credit Cards, incl. Coral RuPay) – Last updated Jul 2, 2026What are the transfer ratios for Rupay Credit Card points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Official terms
https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/indian-oil-hdfc-bank-credit-card/part-i-key-fact-statement-cum-most-important-terms-and-conditions-for-credit-cards.pdf.
VerifiedRupay Credit Card (fleet document) — governing document (side-door search)15 Aug 2026, 11:07 AM ISTHDFC Bank
Verified 2026-08-15 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.