HDFC Bank UPI RuPay Credit Card
Fees
₹99 + GST
Joining & AnnualReward 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 Access
No Lounge Access
FindMyCard 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.
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
Editorial Verdict
The HDFC Bank UPI RuPay Credit Card is ideally suited for upi payments, groceries, supermarket & utility spends. If you want 3% cashpoints on groceries, dining & supermarket; 2% on utilities; 1% on other eligible spends, this card delivers real value. The ₹99 + gst is easily offset by the card's perks if you use it regularly. You'll generally need Fair to Good (700+), existing HDFC Bank relationship preferred credit to be approved.
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
🚀 Milestone Spends Timeline
Annual renewal fee waived on annual spends of ₹25,000 or above in the previous year
Fees & Charging Rates
Annual Fee Waivers
₹99 + GST
💡 Annual fee waived on ₹25,000 annual retail spends
Regular Interest Charges
3.6% per month (43.2% per annum)
📅 Late Payment Fee Penalty Tiers
| Outstanding Balance Amount | Late Payment Fee Penalty |
|---|---|
| 501 to 1000 | ₹500 |
| 1001 to 5000 | ₹600 |
| 5001 to 10000 | ₹750 |
| 10001 to 25000 | ₹900 |
| 25001 to 50000 | ₹1,100 |
| above 50000 | ₹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
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; 1% cashback on offline spends | 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 |