Credit Card Activation Offer

How to avail:
 

Complete your first eligible retail transaction within 37 days of card issuance.

The ₹250 benefit will be fulfilled through the applicable mode as per the Bank’s eligibility and fulfilment criteria.

Additional Offer on RuPay Credit Cards on UPI Transaction

Get ₹250 Gift Voucher on 1st UPI transaction within 37 days of card issuance.
The offer is valid for cards issued between 1st September to 31st December 2026 (Both Dates Included).

*Detailed TnC available at the end of this page, “Additional offer on RuPay Cards Terms & Conditions” 

Terms and Conditions
 

• Activation Offer is applicable only on the product variants listed in the above table.

• Offer is not valid on Add-On credit cards.

• 37th day is calculated from card issuance date as per Bank’s records.

• Winners will be notified via SMS & email within 90 days of offer end date.

• All retail transactions including EMI spends will be considered as an eligible transaction

• Offer applies to only newly issued credit cards. Existing customers who are upgrading or migrating to other cards will not be eligible for this Activation Offer.

• Staff cards are not eligible for Activation Offer.

• Eligible customers with an active CASA relationship with the Bank will receive the ₹250 benefit as a HDFC Bank Digital Rupee, subject to applicable eligibility criteria.

• Customers without an active CASA relationship with the Bank, including new-to-bank customers and customers having only an asset relationship with the Bank, will receive the ₹250 benefit as a Gift Voucher.

• Winners receiving the benefit either as a HDFC Bank Digital Rupee or Gift Voucher must redeem the benefit within the validity date mentioned in the SMS/e-mail.

• Winners receiving the benefit via HDFC Bank Digital Rupee needs to download the HDFC Bank Digital Rupee App, and register using their registered phone number to avail the benefit

• For customers eligible to receive the Gift Voucher, voucher options may vary based on availability of brands at the time of fulfilment, such as Amazon Pay, Flipkart, Swiggy, BigBasket etc.

• The HDFC Bank Digital Rupee wallet balance can be used by customers only for P2M (Person-to-Merchant) payments made through the HDFC Bank Digital Rupee App.

• For detailed information regarding HDFC Bank Digital Rupee, please refer to the provided link : https://www.hdfc.bank.in/terms-and-conditions#credit-card-rewards

Terms & Conditions for Additional Offer on RuPay Credit Cards
 

• The offer is only applicable for RuPay Credit Cards issued from 1st Sep’26 till 31st December’26 (Both Dates Included).

• ₹250 Gift Voucher will be provided to customers who complete the 1^st UPI transaction within 37 days of card issuance

• Voucher fulfilment will be completed within 90 days after the end of the activation qualification period (Activation qualification period is 37 days from card issuance). Hence, customer will get the vouchers within 37 + 90 days of Card Issuance. 37th day is calculated from card issuance date as per Bank’s records.

• All retail transactions including Merchant EMI spends will be eligible.

• Offer applies to only newly issued credit cards as defined in the offer condition.

• Existing customers who are upgrading or migrating to other cards will not be eligible for this Activation Offer.

• Winners receiving the benefit of Gift Voucher must redeem the benefit within the validity date mentioned in the SMS/e-mail.