HDFC Bank UPI RuPay Credit Card
The HDFC Bank UPI RuPay Credit Card is a entry credit card from HDFC Bank, with a joining fee of ₹0 + GST.
It earns up to 3 pts per ₹100 (≈0.7% value) on groceries supermarket dining payzapp spends in the form of cashpoints (points).
- Joining FeeFree
- Annual FeeFree
- Best Suited ForEveryday spends
- Reward TypeCashPoints (points)
- 3 pts per ₹100 on groceries supermarket dining payzapp (cap 500 points / monthly)
- 2 pts per ₹100 on utilities (cap 500 points / monthly)
- Base 0.22% on other spends
- Not applicable
HDFCentryLifetime freeRewards and Benefits
- ₹25,000 / annual: Renewal membership fee waived
- UPI-linked virtual credit card — Virtual RuPay credit card linkable to any UPI app (PayZapp, GPay, PhonePe, Paytm, BHIM, etc.) via a UPI PIN; earns CashPoints on UPI transactions. Managed through MyCards.
See the math — accelerations & caps
What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.
No accelerated categories apply to the spend you entered — everything earns the base rate.
Base-rate spend
Non-accelerated spend, summarized at this card's base rate.
- Online shopping₹15,000 · 0.2% = ₹33/mo
- Groceries₹8,000 · 0.2% = ₹18/mo
Groceries — earns base; accelerated rate needs booking via payzapp
- Dining & food delivery₹8,000 · 0.2% = ₹18/mo
Dining & food delivery — earns base; accelerated rate needs booking via payzapp
- Fuel₹4,000 · 0.0% = ₹0/mo
- Travel & hotels₹10,000 · 0.2% = ₹22/mo
- Utilities & bills₹5,000 · 0.2% = ₹11/mo
Utilities & bills — earns base; accelerated rate needs 100% of this bucket qualifies
₹1,214 rewards − ₹0 annual fee. Estimate for the spend you entered.
Fees & Charges
Product Details
- entry card issued by HDFC Bank.
- Lifetime free — no joining or annual fee.
- Available on the RuPay network.
Pros & Cons
- Lifetime-free — no joining or annual fee.
- Annual fee waivable on ₹25,000 spend.
- Milestone-based bonus rewards on annual / quarterly spend thresholds.
- Standard forex markup of 3.50% — suboptimal for international spend.
- No rewards on fuel spends.
- No complimentary airport lounge access.
Accelerated rewards
- 3 pts per ₹100 on groceries supermarket dining payzapp (cap 500 points / monthly)Merchants: payzapp3% CashPoints on supermarket, groceries and dining spends and on PayZapp transactions. Applies to both UPI and regular credit card spends. Capped at 500 CashPoints per calendar month.
- 2 pts per ₹100 on utilities (cap 500 points / monthly)2% CashPoints on all utility bill payments. Capped at 500 CashPoints per calendar month.
Exclusions
The following spend categories earn no rewards on this card:
- rent
- wallet loads
- emi
- fuel
- insurance premiums
- government
- education
Milestone benefits
- ₹25,000 / annual: Renewal membership fee waived
Fuel surcharge waiver
1.0% waiver on fuel transactions .
Other benefits
- UPI-linked virtual credit card. Virtual RuPay credit card linkable to any UPI app (PayZapp, GPay, PhonePe, Paytm, BHIM, etc.) via a UPI PIN; earns CashPoints on UPI transactions. Managed through MyCards.
Sources
- : www.hdfc.bank.in · retrieved 3 Jul 2026
Last verified 5 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–65
- Credit score
- 700+
- Income (salaried)
- ₹3,00,000 p.a.
- Income (self-employed)
- ₹3,00,000 p.a.
Issued as an additional UPI RuPay card alongside a primary HDFC Bank Visa/Mastercard/Diners credit card, or to existing HDFC card holders via MyCards.