HDFC Bank UPI RuPay Credit Card benefits
- Virtual card only, with no physical card
- Link it to UPI apps such as PayZapp, Google Pay and PhonePe
- 3 CashPoints per ₹100 on groceries, dining and PayZapp, up to 500 a month
- 2 CashPoints per ₹100 on utility bills, up to 500 a month
- ₹99 joining and renewal fee, plus GST
- Renewal fee waived on ₹25,000 of yearly spends
HDFC Bank UPI RuPay Credit Card rewards and cashback
| Where you spend | Rate | Monthly limit |
|---|---|---|
| GroceriesGroceries and supermarkets. This 500-point cap is shared with dining and PayZapp spends. | 3 points per ₹100 | 500 |
| Dining and food deliveryDining. This 500-point cap is shared with groceries, supermarkets and PayZapp spends. | 3 points per ₹100 | 500 |
| Bills and utilitiesUtility bills only (merchant code 4900). | 2 points per ₹100 | 500 |
| Everything else | 1 points per ₹100 | 500 |
We value one point at ₹0.25 in the usual redemption.
No rewards on: Fuel, rent, insurance, government and education payments, wallet, gift and prepaid card loads, voucher purchases, all EMI, cash advances, card fees and charges, and SmartBuy spends.
All reward rules
- The bank states rates as 3%, 2% and 1% CashPoints. These are points per ₹100, not rupee cashback. 1 CashPoint = ₹0.25, so the rupee value is 0.75%, 0.5% and 0.25% of spend.
- All PayZapp transactions also earn at the 3% rate, within the same 500-point monthly cap.
- The 1% rate on other spends is capped at 500 CashPoints in a calendar month.
- Only transactions of ₹100 or more earn CashPoints.
- The same rates apply to UPI and regular card spends.
- You need at least 2,000 CashPoints (₹500) to redeem against your statement.
- Unused CashPoints lapse after 2 years.
HDFC Bank UPI RuPay Credit Card annual fee and charges
- Joining fee
- ₹99
- Annual fee
- ₹99
- Fee waiver
- ₹25,000 a year
- Foreign currency markup
- 3.5%
Fees are before GST. From the second year, the renewal fee is waived if you spend ₹25,000 in the previous year. Only retail spends count. Cash advances, payment of dues, card fees and EMI transactions do not count.
Fuel surcharge: None. The bank's MITC says the fuel surcharge waiver does not apply to this card. Its card page says no fuel surcharge applies on UPI payments, but a 1% fee applies to fuel transactions above ₹15,000, capped at ₹4,999 per transaction.
HDFC Bank UPI RuPay Credit Card eligibility
This card is not issued alone. It comes only as an additional card with an HDFC Bank Visa, Mastercard or Diners credit card. Existing HDFC Bank credit card holders can apply through MyCards or PayZapp. The bank does not publish separate age or income figures on this card's main page.
The bank alone decides approval and your credit limit.
HDFC Bank UPI RuPay Credit Card lounge access
The bank's terms list no fixed number of free airport lounge visits on this card.
Frequently asked questions
What is the annual fee of the HDFC Bank UPI RuPay Credit Card?
The joining fee and the renewal fee are both ₹99 plus GST. From the second year, the renewal fee is waived if you spend ₹25,000 in the previous year.
Is the HDFC Bank UPI RuPay Credit Card lifetime free?
No. Under the standard terms it has a ₹99 yearly fee. You can avoid the renewal fee by meeting the ₹25,000 yearly spend.
Who can get the HDFC Bank UPI RuPay Credit Card?
It is issued only as an additional card, not as a first or standalone card. If you already hold an HDFC Bank credit card, you can apply through MyCards or PayZapp. If you do not, you first apply for an HDFC Bank Visa, Mastercard or Diners card and ask for this card with it.
Do I get a physical HDFC Bank UPI RuPay Credit Card?
No. It is a virtual card. You can see the card details on the MyCards platform and link the card to a UPI app.
What is the CashPoints limit on the UPI RuPay Credit Card?
Each rate has a limit of 500 CashPoints in a calendar month. So you can earn up to 500 on groceries, dining and PayZapp together, 500 on utility bills and 500 on other spends. 1 CashPoint is worth ₹0.25.
Does the HDFC UPI RuPay Credit Card give lounge access?
The bank's card page lists no airport lounge benefit for this card.
Does the HDFC UPI RuPay Credit Card have a fuel surcharge waiver?
No. The bank says no fuel surcharge applies on UPI payments, so it gives no waiver. A 1% fee applies to fuel transactions above ₹15,000, capped at ₹4,999 per transaction. Fuel spends earn no CashPoints.