HDFC Bank UPI RuPay Biz Credit Card
Not rated yet - COFFER rates a card only after reading every document the bank publishes for it. How we rate
Open to new applications · Earns cashback
First-year fee
₹99 + GST
Annual fee
₹99 + GST
What it gives back
1% cashback · everyday spends
How it compares
Compared with the cards we have read
Fees
Joining fee
₹99 + GST
Renewal fee
₹99 + GST
Fee waiver rule
Renewal membership fee waived on spending of ₹25,000 and above in a year.
Add-on card fee
₹0Lifetime Free
Rewards
Reward rate
1% cashback · everyday spends1% Cashpoints on other spends.
EMI spend earning
EMI spends shall not earn any CashPoints.
Fuel earning
CashPoints shall not be eligible for Fuel Spends.
Government spend earning
CashPoints shall not be eligible for Education and Govt Related Transactions.
Groceries earning
3% CashPoints on groceries, supermarket, dining & all PayZapp transactions.
Online earning
Cardholder will earn cashpoints for both UPI spends as well normal credit card Ecom spends.
Rent earning
CashPoints shall not be eligible for Rent Payments.
Reward earning on dining spends
3% Cashpoints on Groceries, SuperMarket & Dining spends & PayZapp transactions.
Utilities earning
2% Cashpoints on Utility bills.
Wallet load earning
CashPoints shall not be eligible for Wallet loads / Gift or Prepaid Card load/ Voucher purchase.
Reward exclusions
Fuel Spends; Insurance payments; Education and Govt Related Transactions; Rent Payments; Wallet loads / Gift or Prepaid Card load/ Voucher purchase; Cash Advances; Payment of Outstanding Balances; Payment of card fees and other charges; All types of EMI transactions.
Reward caps
Maximum capping for 3% CashPoints on groceries, supermarket, Dining & all PayZapp transactions is 500 Points Maximum capping for 2% CashPoints on utility spends is 500 points Maximum capping for 1% CashPoints on other spends is 500 points
What one reward unit is worth
1 CashPoint = ₹0.25 towards cashback redemption against the statement for UPI RuPay Credit Card Holders.
Catalogue redemption
Rewards Catalogue at the SmartBuy Rewards Portal, at a value of 1 CashPoint = ₹0.25.
Flight redemption
Reward points redemption for flights and hotel bookings are capped at ₹50,000/month.
Hotel redemptionRedeeming points for travel
CashPoints can be redeemed up to 50% of the booking value for Flight and Hotel Bookings
Statement-credit redemption
1 CashPoint = ₹0.25 against statement balance.
Voucher and product redemption
Redemption is capped at up to 70% of product/Voucher value through Reward Points on select vouchers/products
Point expiry
Unredeemed CashPoints expire after 2 years of accumulation.
Card benefits
Renewal benefit
Renewal membership fee waived on spending of ₹25,000 and above in a year.
Minimum spend rules
Minimum transaction amount of ₹100 and above eligible for CashPoints under 3%, 2% and 1% features
Also included
Fuel surcharge waiver
No fuel surcharge applicable on UPI payments; no fuel surcharge waiver will be provided.
Surcharge on railway tickets
1% of the transaction amount + GST will be charged on Railway Ticket Purchases
Lost card liability
The cardmember is wholly liable for all transactions prior to reporting the loss of the card; after the bank receives proper notification of the loss, the cardmember's subsequent liability is zero.
Balance transfer terms
Balance transfer fee of ₹250 or 1% of the transfer amount, whichever is more, along with applicable taxes
Charges
Forex markup
3.5% on foreign currency transactions.3.50% of the transaction amount
Dynamic currency conversion markup
With effect from 15th May 2026, a markup fee of 1.75% is levied on all transactions carried out in Indian Currency at an international location or at merchants located in India but registered overseas
Cash advance fee
2.5% or ₹500 whichever is higher.
Cash advance interest
All cash advances also carry a finance charge equal to charges on revolving credit, from the date of withdrawal until the date of full payment
Cash withdrawal limit
40% of the Credit Limit.
Interest on unpaid balance
3.75% Monthly, 45.0% Annually
Interest-free period
Up to 50 days
Late payment fee
₹100 or less: Nil; ₹101 to ₹500: ₹100; ₹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; more than ₹50,000: ₹1,300 (excl. GST)
Over-limit fee
Over-limit charge of 2.5% of the overlimit amount, subject to a minimum of ₹550, applicable on total outstanding exceeding the credit limit, basis explicit consent
Payment return or dishonour fee
2% of Payment amount subject to minimum of ₹450 (applicable for cheque payment return or unsuccessful payment attempt through Autopay facility)
Statement or duplicate statement fee
Duplicate physical statement charges: ₹10 per duplicate physical statement.
Card replacement fee
₹199 for non-metal cards; ₹3,500 for metal cards.
Cash payment / cash deposit fee
₹100 for card payments made by depositing in HDFC Bank branches or ATMs.
Education / school fee charge
1% fee on education transactions done through third party applications like (but not limited to) CRED, Nobroker, Cheq etc., capped at ₹4999 per transaction; education transactions done directly through college / school websites or through POS machines at their premises, and international education transactions, will not be charged.
Fee on online skill-based gaming spends
From 1st July 2025, 1% fee on online skill-based gaming spends exceeding ₹10,000 in a calendar month; fee applied on the total online skill-based gaming spends in the calendar month; fee capped at ₹4999 per month
Reward redemption fee
No redemption handling charges for CashBack against statement; ₹99+Taxes via reward catalogue
Wallet load charge
From 1st July 2025, 1% fee on wallet loading spends (excl PayZapp) exceeding ₹10,000 in a calendar month; fee applied on the total wallet loading spends in the calendar month; fee capped at ₹4999 per month
What the card's fee or benefit year means
Spend ₹25,000 in 12 months (Annual year) and get the renewal fee waived for the next renewal year.
Fuel transaction fee
1% fee on fuel transactions exceeding ₹15,000 for consumer cards (₹30,000 for business cards); fee applied on the total transacted amount; fee capped at ₹4999 per transaction.
Rent transaction fee
1% fee on transaction amount will be levied on rental transactions done on any applicable merchant for the month. Fee capped at ₹4999 per transaction.
Utility transaction fee
1% fee on utility spends exceeding ₹50,000 per calendar month for consumer cards (₹75,000 per calendar month for business cards); fee applied on the total utility spends in the calendar month; fee capped at ₹4999 per month.
GST note
Goods & Services Tax (GST) is applicable on all fees, charges and interest transactions
Minimum amount due
MAD = Total GST + EMI amount + 100% of Fees/Charges + Over-limit Amount (if any) + 5% of (Finance Charge + Retail Spends + Cash Advance) where that 5% is higher than the Finance Charge; where it is less, 100% of Finance Charges + 5% of (Retail Spends + Cash Advance) instead. MAD at or below ₹200 is charged as ₹200; if Total Amount Due is ₹200 or lower, MAD equals it.
Eligibility
Age the primary cardholder must be
Between the ages of 21 and 65 years.
Documents required
No document proof required
Residency
Available only to Indian citizens
In the terms, not the brochure (1)
Whether carrying a balance ends the interest-free period
This period will be free of interest only if all previous dues are paid in full and there is no unpaid balance carried over from previous months.
How we know - 8 documents from HDFC Bank, checked 19 Oct 2026
₹99 a year
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