CheQ AU vs HDFC Bank UPI RuPay Credit Card Compared
Which credit card suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero. Data last verified: 1 October 2026.
| Feature |  CheQ AU Credit CardAU Small Finance Bank4 recent changes → |  HDFC Bank UPI RuPay Credit CardHDFC Bank5 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 0.5% base, up to 2.5% on dining; 6% only at partner merchants | 0.25% base, up to 0.75% on groceries | |
| UPI payments (scan and pay) | Not stated | 0.25% | |
| Online shopping | 2.5% | 0.25% | |
| Dining and food delivery | 2.5% | 0.25% | |
| Groceries | 2.5% | 0.75% | |
| Travel: flights, hotels, trains | 2.5% | 0.25% | |
| Fuelsame | Earns nothing | Earns nothing | |
| Bills and recharges | 0.5%; 6% only at CheQ app utility bills and CheQ Travel | 0.5% | |
| Rentsame | Earns nothing | Earns nothing | |
| Insurance premiumssame | Earns nothing | Earns nothing | |
| School and college feessame | Earns nothing | Earns nothing | |
| Wallet top-upssame | Earns nothing | Earns nothing | |
| Taxes and government paymentssame | Earns nothing | Earns nothing | |
| Spend abroad or in a foreign currency | 0.5% | 0.25% | |
| Everything else | 0.5% | 0.25% | |
| Card identity | |||
| Card type | Utility bills | Grocery | |
| Networksame | RuPay | RuPay | |
| Card tier | Mid | Entry | |
| Fees | |||
| Joining fee | Free | ₹99 + GST | |
| Annual fee | Free | ₹99 + GST | |
| Lifetime free | Yes | No | |
| Fee waived at | - | ₹25,000 | |
| Eligibility | |||
| Min agesame | 21 years | 21 years | |
| Max agesame | 60 years | 60 years | |
| Employment type | BOTH | - | |
| Min monthly salary | ₹25,000 | - | |
| Rewards | |||
| Reward typesame | Reward points | Reward points | |
| Point value | ₹1 | ₹0 | |
| Fuel surcharge | |||
| Fuel surcharge waiversame | Yes | Yes | |
| Fuel waiver cap | ₹150 | - | |
| Forex and international | |||
| Forex markup | 3.49% | 3.5% | |
| UPI rewards | |||
| Works on UPIsame | Yes | Yes | |
| Interest and charges | |||
| Interest rate (monthly)same | 3.75% | 3.75% | |
| Interest rate (annual)same | 45% | 45% | |
| Page content | |||
| Documents needed | PAN card Aadhaar (in-app KYC) Income proof, salary slips (salaried) or ITR (self-employed) | - | |
| Apply | Apply Now | Apply Now | |
Worth in Rupees at ₹20,000 a Month
- Rewards a year
- ₹2,400
- Fee a year
- ₹0
- You keep
- ₹2,400
- Rewards a year
- ₹912
- Fee a year
- ₹0
- You keep
- ₹912
At this spend, CheQ AU Credit Card comes out ₹1,488 a year ahead of HDFC Bank UPI RuPay Credit Card. Worked out from each card's published reward rate, caps and fee, on ₹20,000 a month. Your own spend changes the answer: try the rewards calculator.
Best For
- Utility bills only at CheQ app utility bills and CheQ Travel: 6% back, up to ₹6,000 a month
- Online shopping: 2.5% back, up to ₹6,000 a month
- Anyone who wants no annual fee, ever
- Heavy UPI users
- First-time credit card users
- People who want the lowest possible fee
Watch-Outs
- Skip it if most of your spending is fuel, rent, insurance or education: those earn nothing on this card
- Skip it if you spend a lot on UPI payments: the card's terms do not state a rate there, so we count nothing
- Skip it if you rarely spend on CheQ app utility bills and CheQ Travel: the 6% rate applies only there, everything else earns 0.5%
- Skip it if you often pay in foreign currency: 3.49% is added to every foreign spend
- Returns of 0.75% or less
- Monthly caps on CashPoints
- No lounge or travel benefits
Card data sourced via CardAdvisor.in (CheQ AU Credit Card, HDFC Bank UPI RuPay Credit Card), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Questions People Ask
Which has the lower annual fee, CheQ AU Credit Card or HDFC Bank UPI RuPay Credit Card?
CheQ AU Credit Card. CheQ AU Credit Card: no annual fee; HDFC Bank UPI RuPay Credit Card: ₹99. Check whether a spend-based waiver applies before you decide.
Which is better for spending abroad?
CheQ AU Credit Card has the lowest forex markup. CheQ AU Credit Card: 3.49%; HDFC Bank UPI RuPay Credit Card: 3.5%. The markup is charged on every foreign-currency transaction, before GST.
Which earns more on everyday spending?
On spends outside any bonus category: CheQ AU Credit Card 0.5%, HDFC Bank UPI RuPay Credit Card 0.25%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.
Can I hold more than one of these cards?
Usually yes, if each bank approves you. Many people keep one card for everyday spending and another for a specific use such as travel. Each application is a separate credit check.
Work Out the Numbers
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Guides in Plain Words
Short reads that explain how it works before you decide.
- GuidesBest Credit Cards Under ₹1,000 a Year in India (2026)Credit cards with an annual fee of ₹1,000 or less (before GST) in 2026, ranked by the reward rate each bank states, with fee waivers.Read the guide →
Credit CardsTata Neu HDFC Credit Card: Claim Your NeuCoins from 25 November 2026From 25 November 2026, NeuCoins earned on a Tata Neu HDFC Bank credit card no longer reach your Tata Neu account by themselves. You claim them in the Tata Neu App within 12 months, or they expire. Here is what changes, how to claim, and the dates that matter.Read the guide →- GuidesBest Credit Cards Under ₹500 a Year in India (2026)Credit cards with an annual fee of ₹500 or less (before GST) in 2026, ranked by the reward rate each bank states, with fee waivers.Read the guide →
