HDFC Bank UPI RuPay vs LIC Classic 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 |  HDFC Bank UPI RuPay Credit CardHDFC Bank5 recent changes → |  LIC Classic Credit CardIDFC First Bank7 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 0.25% base, up to 0.75% on groceries | 0.6% on most spends; 1.2% only at partner merchants | |
| UPI payments (scan and pay) | 0.25% | Earns nothing | |
| Online shopping | 0.25% | 0.6% | |
| Dining and food delivery | 0.25% | 0.6% | |
| Groceries | 0.75% | 0.6% | |
| Travel: flights, hotels, trains | 0.25% | 0.6% | |
| Fuelsame | Earns nothing | Earns nothing | |
| Bills and recharges | 0.5% | 0.6%; 1.2% only at LIC insurance premium payments made on LIC of India's official website | |
| Rentsame | Earns nothing | Earns nothing | |
| Insurance premiumssame | Earns nothing | Earns nothing | |
| School and college fees | Earns nothing | 0.6% | |
| Wallet top-ups | Earns nothing | 0.6% | |
| Taxes and government payments | Earns nothing | 0.6% | |
| Spend abroad or in a foreign currency | 0.25% | Earns nothing | |
| Everything else | 0.25% | 0.6% | |
| Card identity | |||
| Card type | Grocery | Utility bills | |
| Network | RuPay | Mastercard | |
| Card tiersame | Entry | Entry | |
| Fees | |||
| Joining fee | ₹99 + GST | Free | |
| Annual fee | ₹99 + GST | Free | |
| Lifetime free | No | Yes | |
| Fee waived at | ₹25,000 | - | |
| Eligibility | |||
| Min age | 21 years | - | |
| Max age | 60 years | - | |
| Employment type | - | BOTH | |
| Rewards | |||
| Reward typesame | Reward points | Reward points | |
| Point valuesame | ₹0 | ₹0 | |
| Fuel surcharge | |||
| Fuel surcharge waiversame | Yes | Yes | |
| Lounge access | |||
| Domestic lounge visits | - | 4 | |
| International lounge visits | - | 0 | |
| Railway lounge visits | - | 8 | |
| Lounge condition | - | 1 domestic airport + 2 railway lounge visits per quarter | |
| Forex and international | |||
| Forex markup | 3.5% | None | |
| UPI rewards | |||
| Works on UPI | Yes | No | |
| Interest and charges | |||
| Interest rate (monthly) | 3.75% | - | |
| Interest rate (annual) | 45% | - | |
| Redemption | |||
| Redemption fee | - | ₹99 | |
| Page content | |||
| Documents needed | - | PAN card Aadhaar / valid address proof Income proof (salary slips or ITR) | |
| Apply | Apply Now | Apply Now | |
Worth in Rupees at ₹20,000 a Month
- Rewards a year
- ₹912
- Fee a year
- ₹0
- You keep
- ₹912
- Rewards a year
- ₹1,440
- Fee a year
- ₹0
- You keep
- ₹1,440
At this spend, LIC Classic Credit Card comes out ₹528 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
- Heavy UPI users
- First-time credit card users
- People who want the lowest possible fee
- Utility bills only at LIC insurance premium payments made on LIC of India's official website: 1.2% back
- Anyone who wants no annual fee, ever
- Flyers: 4 airport lounge visits a year
- Spending abroad: 0% markup, most cards add 3.5%
Watch-Outs
- Returns of 0.75% or less
- Monthly caps on CashPoints
- No lounge or travel benefits
- Skip it if most of your spending is fuel, rent, insurance or foreign spends: those earn nothing on this card
- Skip it if you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- Skip it if you rarely spend on LIC insurance premium payments made on LIC of India's official website: the 1.2% rate applies only there, everything else earns 0.6%
Card data sourced via CardAdvisor.in (HDFC Bank UPI RuPay Credit Card, LIC Classic Credit Card), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Questions People Ask
Which has the lower annual fee, HDFC Bank UPI RuPay Credit Card or LIC Classic Credit Card?
LIC Classic Credit Card. LIC Classic 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?
LIC Classic Credit Card has the lowest forex markup. LIC Classic Credit Card: 0%; 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: LIC Classic Credit Card 0.6%, 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 →
