HDFC Bank UPI RuPay Credit Card
Fees
₹99 + GST
Joining & annual
Reward Rate
3% CashPoints on groceries, dining & supermarket; 2% on utilities; 1% on other eligible spends
Welcome Bonus
Virtual card instant activation with MyCards integration
Lounge
No Lounge Access
Our Expert Take
HDFC's UPI RuPay Credit Card is a simple, virtual-first card built for everyday UPI spending: 3% CashPoints on groceries and dining, 2% on utilities, at a low ₹99 annual fee. It's not a travel or lifestyle card, just a straightforward everyday UPI cashback option.
Reward limits
Checked 11 Oct 2026 · Bank terms
-
3 CashPoints per ₹100 on groceries, dining, supermarkets and PayZapp
Max 500 CashPoints per calendar month
Reached after about ₹16,667 of spend
-
2 CashPoints per ₹100 on utilities
Max 500 CashPoints per calendar month
Reached after about ₹25,000 of spend
-
1 CashPoint per ₹100 on other spends
Max 500 CashPoints per calendar month
Reached after about ₹50,000 of spend
Where this card earns most
Paying directly in the app or site · 0.25% on other spends
Pros & Cons
Key Advantages
- Earn CashPoints on both regular and UPI payments made via BHIM, Paytm, PhonePe, Google Pay, etc.
- 3% CashPoints on grocery, supermarket, dining, and PayZapp spends
- 2% CashPoints on utility payments
- Issued digitally as a virtual card without physical card maintenance hassles
- Low annual fee of ₹99 with easily reachable spend waiver of ₹25,000
Limitations
- 1 CashPoint = ₹0.25 valuation when redeemed against statement balance
- Monthly cashback cap of 500 CashPoints per spend category
- Excludes fuel, wallet reloads, rent payments, government transactions, and EMI spends
- No airport lounge access or travel benefits
Key Perks & Spending Milestones
3% CashPoints on grocery, supermarket, dining, and PayZapp spends (capped at 500 CashPoints/month)
2% CashPoints on utility bill payments (capped at 500 CashPoints/month)
1% CashPoints on all other eligible UPI and regular card transactions (capped at 500 CashPoints/month)
Up to 50 days interest-free credit period from transaction date
Direct integration with UPI apps including Paytm, Google Pay, PhonePe, Mobikwik, and BHIM
Annual renewal fee waived on annual spends of ₹25,000 or more
Spend milestone
Annual renewal fee waived on annual spends of ₹25,000 or above in the previous year
Fees & Charges
Joining fee
₹99 + GST
Annual fee
₹99 + GST
Annual fee waived on ₹25,000 annual retail spends
Interest rate
3.6% per month (43.2% per annum)
Late payment fee
- ₹501 to ₹1,000
- ₹500
- ₹1,001 to ₹5,000
- ₹600
- ₹5,001 to ₹10,000
- ₹750
- ₹10,001 to ₹25,000
- ₹900
- ₹25,001 to ₹50,000
- ₹1,100
- Above ₹50,000
- ₹1,300
Insurance & Protection Benefits
Eligibility Criteria
salaried minimum income
₹25,000 per month
self employed ITR
₹6 Lakh per annum
age
21 to 60 years
Credit score & income
Fair to Good (700+), existing HDFC Bank relationship preferred
Frequently Asked Questions
What rewards does the HDFC UPI RuPay card offer?
Does this card come with lounge access?
Who should get the HDFC UPI RuPay card?
Compare HDFC Bank UPI RuPay Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| HDFC Bank UPI RuPay Credit Card This Card | ₹99 + GST | 3% CashPoints on groceries, dining & supermarket; 2% on utilities;... | No Lounge Access | 4.5/5 |
| Cashback SBI Credit Card | ₹999 + Taxes | 5% cashback on online spends, capped ₹2,000/statement cycle; 1%... | No Lounge Access | 4.7/5 |
| KIWI UPI RuPay Credit Card | Free | Up to 5% cashback on UPI spends via Kiwi Neon program (1.5% base... | Domestic (Neon Spend Milestones) | 4.7/5 |
| Axis Bank ACE Credit Card | ₹499 + Taxes | 5% cashback on Google Pay utilities; 4% on Swiggy, Zomato & Ola;... | 4 Domestic/yr | 4.6/5 |