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HDFC Bank UPI RuPay Credit Card
RuPay 📡 Contactless NFC

HDFC Bank UPI RuPay Credit Card

Joining Fee₹250
Annual Fee₹250
Forex Markup 3.5%

⚖️ Card Verdict & Target Persona

Who Should Apply

Daily UPI spenders looking for a lightweight companion card offering 3% on grocery and restaurant QR scans with a low ₹25k spend waiver.

Who Should Avoid

Users seeking airport lounge visits or physical metal cards.

🎁 Key Features & Highlights

🎉

Joining & Activation Welcome Gift

Instant digital issuance with immediate UPI linking on Google Pay, PhonePe, Paytm, and PayZapp

3% CashPoints on Groceries & Dining

3% CashPoints on Groceries, Supermarket, Dining, and PayZapp transactions (capped at 500 CashPoints/month).

2% CashPoints on Utility Bills

2% CashPoints on Utility bill payments (electricity, gas, water, broadband).

Low Spend-Based Fee Waiver

Annual renewal fee of ₹250 is waived off on spending ₹25,000 or more in the previous anniversary year.

💰 Reward Structure & Point Valuation

1 CashPoints = ₹0.25
Standard Base Earning
1% CashPoints on other eligible retail and UPI transactions (capped at 500 points/month)
Accelerated / Partner Rate
3% CashPoints on Groceries, Supermarkets, Dining, and PayZapp (capped at 500 points/month); 2% CashPoints on Utility bill payments (capped at 500 points/month)
Points Validity:24 Months
Redemption Fee: ₹99 + GST / cycle
Redemption Modes: Direct Statement Credit (1 CashPoint = ₹0.25, min 2,000 points), SmartBuy Flights & Hotel Bookings (1 CashPoint = ₹0.25), Product Catalog & Brand Vouchers
🚫 No Reward Points / Cashback on:
Fuel Rent Payments Wallet Loads Government Transactions Cash Advances EMI

🛋️ Airport Lounge Access & Spend Criteria

✗ No Free Lounge Access
🛫
Domestic Lounge VisitsNone
🌐
International Lounge VisitsNone
⚠️

Spend Criteria: None

⚡ Spend Milestones & Special Perks

Annual Fee Waiver ₹25,000/yr
Annual renewal fee of ₹250 is waived off on spending ₹25,000 or more in the previous anniversary year
UPI Payments Support✓ Supported (RuPay)
Up to 3% CashPoints on merchant RuPay UPI QR transactions across all UPI apps
Fuel Surcharge Waiver1% Surcharge Waived
1% fuel surcharge waiver for transactions between ₹400 and ₹5,000 (Capped at ₹250/mo)

📋 Eligibility Criteria

✓ Official Criteria
Age Limit21 - 60 Years
Min. Monthly Income₹20,000
Min. Credit Score700 CRIF
Employment TypeSalaried / Self-Employed

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):3.60% per month (43.20% per annum)
Late Payment Penalties:Late payment charges slab-based up to ₹1,300
Official Bank Portal Application

Get the HDFC Bank UPI RuPay Credit Card

Annual Fee: ₹250/yr (Waivable)

Apply Online Now →
Personalized Card Matcher

Still Confused About Your Best Match?

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🔍 Related Credit Card Collections

Best Credit Cards for 700 CIBIL Score LTF Cards for Salary Under ₹20,000 All HDFC Bank Credit Cards RuPay UPI Credit Cards Best RuPay Credit Cards

Frequently Asked Questions

No, HDFC Bank UPI RuPay Credit Card has a joining fee of ₹250 and an annual renewal fee of ₹250 (plus applicable taxes).
HDFC Bank UPI RuPay Credit Card ₹250/yr
Apply Now →