HDFC Bank

HDFC Bank UPI RuPay Credit Card

Virtual RuPay card for UPI: 3 CashPoints per ₹100 on groceries, supermarkets, dining and PayZapp, 2 per ₹100 on utility bills and 1 per ₹100 elsewhere. A CashPoint is worth ₹0.25, so that is 0.75%, 0.5% and 0.25% back, each capped at 500 CashPoints (₹125) a month.

₹99 joining, ₹99 a year
Works on UPI (RuPay)
RuPay

View on HDFC Bank siteIssuer's site. We don't earn from this card.

Good

Annual fee waived at ₹25,000 of spend a year
Works on UPI and earns 0.25% there

Watch out for

At ₹99 a year, it doesn't beat a free card's rate on any spend
Earns nothing on fuel, insurance, government payments, rent and wallet loads
Low base rate: 0.25% on everyday spends
High forex markup (3.5%)

Who it's for: People whose spending matches its best category: groceries.
Skip it if: You want rewards to cover the fee: a free card pays as much.

Worked out from the bank's published terms with the same rules for every card, never from what we earn. How we judge cards.

Rewards (value back as % of spend)

Everyday spends: 0.25% (base rate)
Online shopping: 0.25%
Fuel: 0%
Groceries: 0.75%
UPI: 0.25%
Travel: 0.25%
Bills and utilities: 0.5%
Dining and food delivery: 0.75%

Fees and charges

Joining fee: ₹99
Annual fee: ₹99
Fee waiver: Renewal fee waived from the second year if your retail spends in the previous year reach ₹25,000. EMIs, cash advances, card bill payments and card fees don't count towards it.
Forex markup: 3.5%
Fuel surcharge waiver: None. HDFC Bank offers no fuel surcharge waiver on this card; fuel paid over UPI carries no surcharge.

Benefits and eligibility

Airport lounge: Not published by the bank
Card network: RuPay
UPI payments: Yes, as a RuPay credit card
Minimum income (salaried): Not published by the bank
Eligibility: HDFC Bank says only its existing customers can apply. It's a virtual card (no physical card), and HDFC Bank describes it as an extra card that shares the credit limit of your existing HDFC Bank credit card. The bank's eligibility page for this card shows age 21–40 and net monthly income above ₹35,000 (salaried) or ITR above ₹6 lakh a year (self-employed), but under another card's heading, so confirm with the bank. Approval is at HDFC Bank's discretion.

Fees exclude GST. Reward rates are the value back you get at the bank's published redemption value; where a bank doesn't publish what a point is worth, we leave the rate blank rather than guess. See how we compare cards.

Compare it with other cards

Ready to apply for the HDFC Bank UPI RuPay Credit Card?

View on HDFC Bank siteIssuer's site. We don't earn from this card.

CreditParakh is not a bank or lender. Approval, limits and final terms are decided by HDFC Bank.

What changed recently

15 May 2026FeesWorse for you
A 1.75% markup applies when you pay in rupees at a merchant abroad, or at an India-based merchant registered overseas.
After: 1.75% of the transaction
HDFC Bank's terms don't state the earlier rate.
Bank's notice or terms

All card changes, month by month

Questions people ask

Is the HDFC Bank UPI RuPay Credit Card worth it in 2026?

Only if most of your spending is on groceries. The catch: earns nothing on fuel, insurance, government payments, rent and wallet loads.

Is the HDFC Bank UPI RuPay Credit Card lifetime free?

No. It costs ₹99 to join and ₹99 a year, plus GST. Renewal fee waived from the second year if your retail spends in the previous year reach ₹25,000. EMIs, cash advances, card bill payments and card fees don't count towards it.

Does the HDFC Bank UPI RuPay Credit Card work on UPI?

Yes, it's a RuPay card, so you can link it to UPI apps for merchant payments; it earns 0.25% on UPI spends.

Does the HDFC Bank UPI RuPay Credit Card give airport lounge access?

No complimentary airport lounge access.

What earns no rewards on the HDFC Bank UPI RuPay Credit Card?

No CashPoints on fuel, insurance premiums, education and government payments, rent, wallet loads, gift or prepaid card loads and voucher purchases, any kind of EMI, cash advances, card bill payments, card fees, or online skill-based gaming. Transactions under ₹100 earn nothing. Over UPI the card pays merchants only; you can't send money to people.

Is there a limit on rewards with the HDFC Bank UPI RuPay Credit Card?

3 CashPoints per ₹100 on groceries and supermarkets, dining and all PayZapp transactions are capped at 500 CashPoints (₹125) per calendar month combined, reached at about ₹16,667 of spend. Spends beyond the cap earn nothing. 2 CashPoints per ₹100 on utility bills are capped at 500 CashPoints (₹125) per calendar month, reached at ₹25,000 of utility spend. Spends beyond the cap earn nothing. 1 CashPoint per ₹100 on all other eligible spends is capped at 500 CashPoints (₹125) per calendar month, reached at ₹50,000 of spend. Spends beyond the cap earn nothing. HDFC Bank's UPI page says RuPay credit cards earn at most 500 reward points a calendar month on UPI spends. The card's own terms cap each category separately and don't mention a combined UPI cap, so UPI-heavy users may hit this sooner.

Who can get the HDFC Bank UPI RuPay Credit Card?

HDFC Bank says only its existing customers can apply. It's a virtual card (no physical card), and HDFC Bank describes it as an extra card that shares the credit limit of your existing HDFC Bank credit card. The bank's eligibility page for this card shows age 21–40 and net monthly income above ₹35,000 (salaried) or ITR above ₹6 lakh a year (self-employed), but under another card's heading, so confirm with the bank. Approval is at HDFC Bank's discretion. Approval is at the bank's discretion.

How we checked this card: the CreditParakh team read HDFC Bank's own terms and product page on 19 Oct 2026. Every fee, rate and rule above comes from those pages; where they disagree, we say so. We re-check every card monthly and log changes on card changes. See our editorial standards.

Last verified 19 Oct 2026 on HDFC Bank's official page. Fees and rewards change; check the issuer's terms before you apply.

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