HDFC Bank UPI RuPay Credit Card

This card is built to bring credit to your UPI payments. It earns 3 CashPoints per Rs 100 on grocery, supermarket, dining and PayZapp spends, 2 on utility bills, and a lower rate elsewhere. At about 25 paise a point, that is roughly 0.75%, 0.5% and 0.25% back, with monthly caps.

The fee is just Rs 99 a year and is waived at ₹25,000 of annual spend. For almost anyone using it on UPI, it will be free.

It suits people who pay mostly by scanning QR codes and want to put those payments on credit. The catch is the low reward rate. This is a convenience card, not a rewards card, so do not expect much back.

Best for: Heavy UPI users, First-time credit card users, People who want the lowest possible fee.

01HDFC Bank UPI RuPay Credit Card Rewards and Benefits

Rewards rate

0.25% base, up to 0.75% on groceries

Fee waived on

₹25,000 spend a year

Reward redemption

Not published

Dining

0.25% back (the normal rate)

Travel

0.25% back (the normal rate)

Golf

Not included

Domestic lounge

Not included

International lounge

Not included

Insurance benefits

Not included

02HDFC Bank UPI RuPay Credit Card Annual Fee and Charges

Joining fee

₹99 + GST

Annual fee

₹99 + GST

Spend-based waiver

Annual fee waived on ₹25,000 spend in a year (rent and wallet loads not counted)

Rewards redemption fee

Nil

Forex markup

3.5%

Interest rate

3.75% a month (45% a year)

Fuel surcharge waiver

Yes

Card replacement

Not published

03What It's Worth, in Rupees

If you spend ₹20,000 a month on this card:

• ₹5,000 on groceries, earning 0.75%₹38
• ₹15,000 on everything else, earning 0.25%₹38
• Back each month, ₹912 a year₹76
• Annual fee with 18% GST (waived at this spend)₹0
• In your pocket each year₹912

Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.

04Product Details

• Joining and annual fee: ₹99
• Fee waived on ₹25,000 spend in a year
• 3 CashPoints per ₹100 on grocery, supermarket, dining and PayZapp
• 2 CashPoints per ₹100 on utility bills
• RuPay card that links to UPI apps
• Monthly caps on CashPoints

05Pros and Cons

06How HDFC Bank UPI RuPay Credit Card earns Rewards

0.25% base, up to 0.75% on groceries.

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

Point value. 1 point is worth about ₹0.25 at the bank's stated value.

07HDFC Bank UPI RuPay Credit Card Travel Benefits

Spending abroad carries a 3.5% forex markup; rewards on it: 0.25% back (the normal rate). See what it costs on your trip

Also on the card. fuel surcharge waiver.

• Fuel surcharge waiver: 1% fuel surcharge waiver (₹400 to ₹5,000 per txn, ₹250/statement cycle), but NOT on UPI payments, where HDFC levies no fuel surcharge at all; the card is issued virtual-only

08HDFC Bank UPI RuPay Credit Card Eligibility and Documents

Age

21 to 60 years

09Recent Changes

What HDFC Bank changed on this card recently. The facts on this page already reflect them.

See this card's change history → · All card changes in May 2026 →

10Cards Similar to HDFC Bank UPI RuPay Credit Card

HDFC Bank UPI RuPay Credit Card is a grocery card. The two below are the closest on SkyloFin; open any of them, or put them side by side.

Feature	HDFC Bank UPI RuPay Credit Card	HSBC Live Plus Credit Card	SBI BPCL Credit Card
Joining fee	₹99 + GST	₹999 + GST	₹499 + GST
Annual fee	₹99 + GST	₹999 + GST	₹499 + GST
Rewards	0.25% base, up to 0.75% on groceries	1.5% base, up to 10% on dining	0.25% base, up to 1.25% on dining; 3.25% only at partner merchants
Domestic lounge	Not included	2 visits a year	Not included
Forex markup	3.5%	1.99%	3.5%
Type	Grocery	Dining	Fuel

11Explore More