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Credit Cards · India

HDFC Bank UPI RuPay Credit Card

Updated 3 Jul 2026Source-linked

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 (≈0.8% value) on groceries supermarket dining payzapp spends in the form of cashpoints (points).

HDFC Bank logo
HDFC Bank UPI RuPay Credit Card
RuPay logo
  • Joining FeeFree
  • Annual FeeFree
  • Best Suited ForEveryday spends
  • Reward TypeCashPoints (points)
Rewards Rate
  • 3 pts per ₹100 on groceries supermarket dining payzapp (cap 500 points / monthly)
  • 2 pts per ₹100 on utilities (cap 500 points / monthly)
  • Base 0.25% on other spends
Welcome Benefits
  • Not applicable
HDFC Bank logoHDFCRuPay logoentryLifetime free
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Rewards and Benefits

Rewards Rate
3 pts per ₹100 on groceries supermarket dining payzapp (cap 500 points / monthly)
2 pts per ₹100 on utilities (cap 500 points / monthly)
Base 0.25% on other spends.
Reward Redemption
Redeem at ₹0.25 per unit.
Welcome Benefits
N/A
Milestone Rewards
  • ₹25,000 / annual: Renewal membership fee waived
Domestic Lounge Access
N/A
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
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.

Fees & Charges

Spend-Based Waiver
₹25,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.75% per month (45.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions .
Cash Advance Charges
N/A

Product Details

  • entry card issued by HDFC Bank.
  • Lifetime free — no joining or annual fee.
  • Available on the RuPay network.

Pros & Cons

Pros
  • Lifetime-free — no joining or annual fee.
  • Annual fee waivable on ₹25,000 spend.
  • Milestone-based bonus rewards on annual / quarterly spend thresholds.
Cons
  • Standard forex markup of 3.50% — suboptimal for international spend.
  • No rewards on fuel spends.
  • No complimentary airport lounge access.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

Accelerated rewards

  • 3 pts per ₹100 on groceries supermarket dining payzapp (cap 500 points / monthly)
    Merchants: payzapp
    3% 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

Last verified 3 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.

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