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HDFC Bank PayZapp credit card

HDFC Bank

HDFC Bank PayZapp Credit Card

Best for online-shopping, cashback

₹500/yr annual fee · 5x rewards

Visa

By FinWiz24 Research Desk · Reviewed by FinWiz24 Research Desk · How we review

Annual fee

₹500/yr

Reward rate

5x

Min. income

₹2,40,000

Forex markup

3.5%

Lounge access

None

Eligibility

₹2.40 lakh/yr · CIBIL 650+

Reward cap

₹2,000/month

Welcome benefit

None beyond the reward rate

Who is this for

  • Online shopper
  • Cashback seeker

What we like

  • 5X rewards on PayZapp

Watch out for

  • 2.5% cash-advance fee
  • 3.5% foreign-transaction markup

Issuer

Bank

HDFC Bank

Private sector bank

All HDFC Bank cards →

Headquarters

Mumbai, Maharashtra

Established 1994

Toll-free

1800-202-6161

Customer care: 1860-267-6161

Website

www.hdfcbank.com

Network

Visa

See all cards on this network

Fees and charges

Fee Amount Waiver
Joining fee ₹500 Not waivable
Annual fee ₹500 Waived on annual spends ≥ ₹50,000
Renewal fee ₹500 Waived on annual spends ≥ ₹50,000
Late payment ₹500 Not waivable
Cash advance 2.5% of amount Not waivable
Forex markup 3.5% Not waivable
Fuel surcharge 1% 1% surcharge waived on fuel between ₹400 and ₹10,000 (max ₹250/month)

Rewards

Spend category Rate Cap Redemption
All spends 2.00 — 0.25
ONLINE 5.00 ₹2,000/month 0.25

Benefits

  • 5X rewards on PayZapp Highlight

    5X Reward Points on all spends routed through PayZapp wallet and select bill payments — 5X

  • Partner merchant offers

    Exclusive discounts and cashback on partner merchants via PayZapp

  • Fuel surcharge waiver

    1% fuel surcharge waiver on fuel between ₹400 and ₹10,000 (max ₹250/month) — 1% waiver

Eligibility

Age
21–65 years
Min. income
₹2,40,000
Min. credit score
650+
Score note
Stable income
Employment
Salaried, self-employed
Documents
PayZapp wallet co-brand card

HDFC Bank PayZapp Credit Card is a VISA credit card from HDFC Bank. It is best suited for online-shopping, cashback.

Fees and rewards

  • Annual fee: ₹500
  • Joining fee: ₹500
  • Rewards: 5X rewards on PayZapp

Eligibility

PayZapp wallet co-brand card

Card data is compiled from the issuer’s published fee schedules and is reviewed weekly. High-confidence record. Status: active.

Apply for HDFC Bank PayZapp Credit Card

Last reviewed · How we review

FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.

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Cards with similar benefits, rewards, or eligibility requirements.

Frequently asked questions

Is the HDFC Bank PayZapp Credit Card worth it?
HDFC Bank PayZapp Credit Card is a credit card issued by HDFC Bank. Whether it is worth it depends on your monthly spend pattern and whether the annual fee (if any) is waivable. Compare the fee and reward rate on this page against your expected annual spend to make an informed decision.

What is the annual fee for the HDFC Bank PayZapp Credit Card?
HDFC Bank PayZapp Credit Card charges ₹500 as the annual fee. Most issuers waive it on minimum annual spends — check the fee tile on this page for the waiver condition.

How does the HDFC Bank PayZapp Credit Card reward rate work?
HDFC Bank PayZapp Credit Card earns 5x base reward rate on all spends. Each card's rewards tile on this page shows the category-wise multipliers and any monthly or yearly caps.
Show 3 more questions

What are the eligibility requirements for the HDFC Bank PayZapp Credit Card?
To qualify for HDFC Bank PayZapp Credit Card, you typically need: minimum annual income ₹2,40,000; CIBIL score of 650+; Salaried / self-employed only. The eligibility tile on this page has the full published criteria.

Does the HDFC Bank PayZapp Credit Card offer airport lounge access?
HDFC Bank PayZapp Credit Card does not publish complimentary airport lounge access as a benefit.

What is the forex markup on the HDFC Bank PayZapp Credit Card?
HDFC Bank PayZapp Credit Card charges a 3.5% foreign-transaction markup on international purchases.

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