Share

Is the HDFC Bank UPI RuPay Credit Card Worth It?

Enter what you spend where this card pays more, and the benefits you would use. See what it is worth to you in rupees, after its fee.

  • 207Cards to check
  • FreeCost
HDFC Bank UPI RuPay Credit Card
HDFC Bank UPI RuPay Credit CardView card →
  • Grocery card
  • ₹117 fee a year (with GST)
  • Fee waived from ₹2,083 a month
  • 0.25% base, up to 0.75% on groceries
  • Pays in reward points
Good for
  • groceries: 0.75% back, up to ₹125 a month
  • utility bills: 0.5% back, up to ₹125 a month
  • spending ₹2,083 or more a month: the ₹117 fee is waived
Skip it if
  • you spend less than ₹2,083 a month (₹25,000 a year, rent and wallet loads not counted): the ₹117 fee is then charged
  • most of your spending is fuel, rent, insurance or education: those earn nothing on this card
  • you rarely spend on groceries: the 0.75% rate applies only there, everything else earns 0.25%
  • you often pay in foreign currency: 3.5% is added to every foreign spend
  • you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward

Your spend a month, by kind

Terms on the normal rate: 1% CashPoints (~0.25%) on all other spends incl UPI, 1 CashPoint = ₹0.25

Total on the card: ₹0 a month

Abroad and benefits

Every rate on this card, and what your spend earns

Earns nothing onFuelRentInsuranceEducationGovernmentWallet loadsEMI

Spend categoryRateMonthly capWhere it appliesYour spend earns
UPI payments (scan and pay)0.25%No capThe card's normal rate-
Online shopping0.25%No capThe card's normal rate-
Dining and food delivery0.25%No capThe card's normal rate-
Groceries0.75%₹125Grocery, supermarket, dining and all PayZapp spendsTerms: 3% CashPoints (~0.75%) on grocery, supermarket, dining and PayZapp, capped 500 CashPoints a month-
Travel: flights, hotels, trains0.25%No capThe card's normal rate-
FuelEarns nothing-earns nothing on this card-
Bills and recharges0.5%₹125All merchants in the categoryTerms: 2% CashPoints (~0.5%) on utility spends, capped 500 CashPoints a month-
RentEarns nothing-earns nothing on this card-
Insurance premiumsEarns nothing-earns nothing on this card-
School and college feesEarns nothing-earns nothing on this card-
Wallet top-upsEarns nothing-earns nothing on this card-
Taxes and government paymentsEarns nothing-earns nothing on this card-
Spend abroad or in a foreign currency0.25%No capThe card's normal rate-
Everything else0.25%No capThe card's normal rate-

Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

Common Questions

When is a credit card worth its annual fee?

When the rewards you actually earn in a year are more than the fee plus 18% GST, or when you spend enough for the bank to waive the fee. This calculator works out both from the card's own published terms.

Why is GST added to the fee?

Card fees carry 18% GST, so a ₹1,000 fee costs ₹1,180. Where the bank already quotes the fee with GST, it is not added twice.

What does 'capped' mean?

Many cards limit the reward you can earn in a month in a category. Spending above the cap earns nothing extra, so the calculator stops counting there.

Is a lifetime free card always better?

Not always. A paid card with higher rewards can leave you with more once you spend enough. The break-even line shows the monthly spend where that starts.

Credit Cards

Guides in Plain Words

Short reads that explain how it works before you decide.

All Credit Cards guides
SkyloFin - Expense Tracker

Your Money. One Clear View.

Automatically organise your spending, track expenses and understand where your money goes.

  • Reads bank SMS No account linking, no passwords.
  • Sorts every rupee Into categories you can edit.
  • Bills and cards Statements found, due dates reminded.
  • Your Google Drive Backed up to you, never to us.
Get the AppSee how it works