Credit Cards · Honest Review
HDFC Bank RuPay Platinum Credit Card
HDFC Bank · RuPay
Your Verdict
- ✓Lifetime free RuPay credit card
- ✓UPI credit payments via PhonePe, Google Pay, BHIM
- ✓2X rewards on grocery and online shopping
- ✓1X rewards on all other spends
- ✓Accepted at all RuPay merchants across India
What HDFC Bank RuPay Platinum Credit Card costs you
HDFC Bank RuPay Platinum Credit Card is a lifetime-free credit card — you pay zero joining fee and zero annual fee, ever. This makes it a zero-cost card for any spending level.
| Fee | Amount |
|---|---|
| Annual fee (year 2+) | Free — ₹0 |
| Joining fee (one-time) | Free — ₹0 |
| Foreign transaction fee (forex markup) | Not disclosed / standard rates apply |
What you earn on every rupee spent
HDFC Bank RuPay Platinum Credit Card earns 1.00% on all eligible spends as a base reward rate, with accelerated rates on online shopping, groceries and other bonus categories listed below.
| Category | Reward rate |
|---|---|
| All other spends (base rate) | 1.00% |
| 🛒 Online Shopping | 2% |
| 🛒 Groceries | 2% |
Reward types: Points
Beyond the reward rate
The non-reward benefits on HDFC Bank RuPay Platinum Credit Card are meaningful for frequent users. Here is what you get with the card.
Who can apply for HDFC Bank RuPay Platinum Credit Card
HDFC Bank RuPay Platinum Credit Card requires a minimum net monthly income of ₹20,000 for salaried applicants. It is open to salaried employees and self-employed professionals.
| Requirement | Detail |
|---|---|
| Minimum monthly income | ₹20,000 |
| CIBIL score | Not specified — clean history expected |
| Age range | 21–60 years |
| Employment type | Salaried, Self-employed |
| Typical approval time | 7–10 working days |
Who should (and shouldn't) get HDFC Bank RuPay Platinum Credit Card
- → Heavy spenders on online shopping who want 2% back
- → Heavy spenders on groceries who want 2% back
- → First-time cardholders who want zero-cost entry
- → Frequent flyers who need airport lounge access
HDFC Bank RuPay Platinum Credit Card — Questions answered
Is HDFC Bank RuPay Platinum Credit Card free for life?
What is the minimum income required for HDFC Bank RuPay Platinum Credit Card?
What is the reward rate on HDFC Bank RuPay Platinum Credit Card for online shopping?
Does HDFC Bank RuPay Platinum Credit Card provide airport lounge access?
How long does it take to get HDFC Bank RuPay Platinum Credit Card approved?
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Get My Personalised Verdict →Information on this page is gathered from public sources and the card issuer's official website. Fees and reward rates may change — verify the current terms on the issuer's website before applying. SingleVerdict may earn a referral fee if you apply through our links, which does not affect our scoring or editorial decisions.