Share

LIC Select 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.

LIC Select Credit Card versus HDFC Bank UPI RuPay Credit Card compared
FeatureLIC Select Credit CardLIC Select Credit CardIDFC First Bank7 recent changes →
HDFC Bank UPI RuPay Credit CardHDFC Bank UPI RuPay Credit CardHDFC Bank5 recent changes →
Rewards by spend
Rewards1% on most spends; 2% only at partner merchants0.25% base, up to 0.75% on groceries
UPI payments (scan and pay)Earns nothing0.25%
Online shopping1%0.25%
Dining and food delivery1%0.25%
Groceries1%0.75%
Travel: flights, hotels, trains1%0.25%
FuelsameEarns nothingEarns nothing
Bills and recharges1%; 2% only at LIC insurance premium payments made on LIC of India's official website0.5%
RentsameEarns nothingEarns nothing
Insurance premiumssameEarns nothingEarns nothing
School and college fees1%Earns nothing
Wallet top-ups1%Earns nothing
Taxes and government payments1%Earns nothing
Spend abroad or in a foreign currencyEarns nothing0.25%
Everything else1%0.25%
Card identity
Card typeUtility billsGrocery
NetworkMastercardRuPay
Card tierMidEntry
Fees
Joining feeFree₹99 + GST
Annual feeFree₹99 + GST
Lifetime freeYesNo
Fee waived at-₹25,000
Eligibility
Min age-21 years
Max age-60 years
Employment typeBOTH-
Rewards
Reward typesameReward pointsReward points
Point valuesame₹0₹0
Fuel surcharge
Fuel surcharge waiversameYesYes
Lounge access
Domestic lounge visits8-
International lounge visits0-
Railway lounge visits16-
Lounge condition2 domestic airport lounge visits a quarter plus 4 railway lounge visits a quarter-
Forex and international
Forex markupNone3.5%
UPI rewards
Works on UPINoYes
Interest and charges
Interest rate (monthly)-3.75%
Interest rate (annual)-45%
Redemption
Redemption fee₹99-
Page content
Documents neededPAN card Aadhaar / valid address proof Income proof (salary slips or ITR)-
ApplyApply NowApply Now

Worth in Rupees at ₹20,000 a Month

LIC Select Credit Card
Rewards a year
₹2,400
Fee a year
₹0
You keep
₹2,400
HDFC Bank UPI RuPay Credit Card
Rewards a year
₹912
Fee a year
₹0
You keep
₹912

At this spend, LIC Select 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

LIC Select Credit Card
  • Utility bills only at LIC insurance premium payments made on LIC of India's official website: 2% back
  • Anyone who wants no annual fee, ever
  • Flyers: 8 airport lounge visits a year
  • Spending abroad: 0% markup, most cards add 3.5%
HDFC Bank UPI RuPay Credit Card
  • Heavy UPI users
  • First-time credit card users
  • People who want the lowest possible fee

Watch-Outs

LIC Select Credit Card
  • 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 2% rate applies only there, everything else earns 1%
HDFC Bank UPI RuPay Credit Card
  • Returns of 0.75% or less
  • Monthly caps on CashPoints
  • No lounge or travel benefits

Card data sourced via CardAdvisor.in (LIC Select 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, LIC Select Credit Card or HDFC Bank UPI RuPay Credit Card?

LIC Select Credit Card. LIC Select 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 Select Credit Card has the lowest forex markup. LIC Select 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 Select Credit Card 1%, 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

Other Comparisons

We earn a commission if you are approved, and you pay nothing extra. How we make money.

Compare all the credit cards we list

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