HDFC Bank UPI Rupay Biz Credit Card
HDFC Bank
Annual / renewal fee
₹99.
VerifiedMITC (Most Important Terms & Conditions) – HDFC Bank Credit Cards (covers UPI RuPay Biz)14 Aug 2026, 10:06 PM ISTHDFC Bank
Earn rate
Confirm on the official page
Official source not yet captured
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at hdfc.bank.in — if a different card is shown first, use its card selector to pick this one.
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at hdfc.bank.in — if a different card is shown first, use its card selector to pick this one.
Overview
HDFC Bank UPI Rupay Biz Credit Card by HDFC Bank. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
₹99.
VerifiedMITC (Most Important Terms & Conditions) – HDFC Bank Credit Cards (covers UPI RuPay Biz)14 Aug 2026, 10:06 PM ISTHDFC Bank
Annual / renewal fee
₹99.
VerifiedMITC (Most Important Terms & Conditions) – HDFC Bank Credit Cards (covers UPI RuPay Biz)14 Aug 2026, 10:06 PM ISTHDFC Bank
Fee waiver
Annual membership fee / renewal charges for next year waived on minimum spend of ₹25,000 / Annum.
VerifiedMITC (Most Important Terms & Conditions) – HDFC Bank Credit Cards (covers UPI RuPay Biz)14 Aug 2026, 10:06 PM ISTHDFC Bank
Renewal fee
₹99 (Minimum Spend for waiver of annual membership fee / renewal charges for next year: ₹25,000 / Annum).
VerifiedHDFC Bank UPI Rupay Biz Credit Card (fleet document) — governing document (side-door search)14 Aug 2026, 10:06 PM ISTHDFC Bank
Rewards
Redemption value
- Rewards Redemption Fee: ₹99 per redemption request.
- Cashback Redemption Charges: ₹50 per cashback redemption.
- Minimum amount required for cashback redemption for UPI RuPay Biz Credit Card: ₹250.
- Reward Points/CashPoints are valid only for 2 years from the date of accumulation.
VerifiedMITC (Most Important Terms & Conditions) – HDFC Bank Credit Cards (covers UPI RuPay Biz)14 Aug 2026, 10:06 PM ISTHDFC Bank
Reward cap
Credit Card purchases done via UPI mode will earn reward points upto a maximum of 500 points in a calendar month.
VerifiedMITC (Most Important Terms & Conditions) – HDFC Bank Credit Cards (covers UPI RuPay Biz)14 Aug 2026, 10:06 PM ISTHDFC Bank
Reward exclusion
- Rent payments do not earn Reward Points/CashPoints on all cards.
- EasyEmi and e-wallet loading transactions do not accrue Reward Points.
- Online Skill-Based gaming transactions do not earn Reward Points/CashPoints (w.e.f 1st July 2025).
- Reward Points/CashPoints accrued reversed if a retail transaction is converted into SmartEMI.
VerifiedMITC (Most Important Terms & Conditions) – HDFC Bank Credit Cards (covers UPI RuPay Biz)14 Aug 2026, 10:06 PM ISTHDFC Bank
Travel & lounge
Lounge access
Confirm on the official page
Official source not yet captured
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
- No physical Credit Card provided.
- It is a virtual only card.
- Virtual card details available in MyCards platform.
- Set PIN via IVR (1860 266 0333).
- (Not a fee/reward welcome offer; threshold not stated on official source).
VerifiedMITC (Most Important Terms & Conditions) – HDFC Bank Credit Cards (covers UPI RuPay Biz)14 Aug 2026, 10:06 PM ISTHDFC Bank
Eligibility
Eligibility
- No physical Credit Card will be provided for customers issued HDFC Bank UPI RuPay Biz Credit Card.
- It will be a virtual only card.
- The virtual card details will be available in the MyCards platform.
- Customers can call the IVR number (1860 266 0333) to set the PIN of their virtual card.
VerifiedMITC (Most Important Terms & Conditions) – HDFC Bank Credit Cards (covers UPI RuPay Biz)14 Aug 2026, 10:06 PM ISTHDFC Bank
Charges & interest
Forex markup
Confirm on the official page
Official source not yet captured
Charge
- Cash advance fee: 2.5% or ₹500 whichever is higher.
- Finance charges (revolving credit and cash advances): 3.75% per month (45% annually).
- Charges on overlimit account: 2.5% of overlimit amount, minimum ₹550.
- Payment Return Charges: 2% of payment amount, minimum ₹450.
- Cash Processing Fee: ₹100.
- Duplicate physical statement charges: ₹10.
- Balance Transfer Processing Charges: 1% of BT amount or ₹250 whichever higher.
- Rewards Redemption Fee: ₹99 per redemption request.
- Cashback Redemption Charges: ₹50 per cashback redemption.
- Reissue of Lost, Stolen or Damaged Card: ₹199 for non-metal cards.
- ₹3,500 for metal cards.
- Dynamic currency conversion Markup Fee (w.e.f 15th May 2026): 1.75% on transactions in Indian Currency at international location or merchants registered overseas.
- Add-on Card Fee: Lifetime Free.
- Rent Pay Transactions (w.e.f 1st July 2025): 1% fee, capped ₹4999 per transaction.
- Fuel Charges: 1% fee on business card fuel transactions exceeding ₹30,000, capped ₹4999.
- Utility Charges: 1% on business card utility spends exceeding ₹75,000 per calendar month, capped ₹4999.
- Education Charges: 1% on education via third party apps, capped ₹4999.
- Online Skill based Gaming (w.e.f 1st July 2025): 1% on spends exceeding ₹10,000 per calendar month, capped ₹4999.
- Wallet Loading excl PayZapp (w.e.f 1st July 2025): 1% on spends exceeding ₹10,000 per calendar month, capped ₹4999.
- Late Payment Charges: Nil up to ₹100.
- ₹100 (₹101-500).
- ₹500 (₹501-1,000).
- ₹600 (₹1,001-5,000).
- ₹750 (₹5,001-10,000).
- ₹900 (₹10,001-25,000).
- ₹1100 (₹25,001-50,000).
- ₹1300 (more than ₹50,000).
- Card Validation charges: ₹2.
- Global Value Program annual membership: ₹199 + GST.
VerifiedMITC (Most Important Terms & Conditions) – HDFC Bank Credit Cards (covers UPI RuPay Biz)14 Aug 2026, 10:06 PM ISTHDFC Bank
Fuel surcharge waiver
Fuel Surcharge waiver Not Applicable.
VerifiedMITC (Most Important Terms & Conditions) – HDFC Bank Credit Cards (covers UPI RuPay Biz)14 Aug 2026, 10:06 PM ISTHDFC Bank
Interest-free period
- Interest free (grace) period could range from 20 to 50 days subject to the scheme applicable.
- Not applicable if previous month's balance not cleared in full or if cash availed from ATM.
VerifiedMITC (Most Important Terms & Conditions) – HDFC Bank Credit Cards (covers UPI RuPay Biz)14 Aug 2026, 10:06 PM ISTHDFC Bank
Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
What is the annual fee on the HDFC Bank UPI Rupay Biz Credit Card?
Officially traced: Rs. 99.
MITC (Most Important Terms & Conditions) – HDFC Bank Credit Cards (covers UPI RuPay Biz)What is the joining fee on the HDFC Bank UPI Rupay Biz Credit Card?
Officially traced: Rs. 99.
MITC (Most Important Terms & Conditions) – HDFC Bank Credit Cards (covers UPI RuPay Biz)Is the HDFC Bank UPI Rupay Biz Credit Card annual fee ever waived?
Annual membership fee / renewal charges for next year waived on minimum spend of Rs. 25,000 / Annum.
MITC (Most Important Terms & Conditions) – HDFC Bank Credit Cards (covers UPI RuPay Biz)What welcome benefit does the HDFC Bank UPI Rupay Biz Credit Card offer?
No physical Credit Card provided; it is a virtual only card.
MITC (Most Important Terms & Conditions) – HDFC Bank Credit Cards (covers UPI RuPay Biz)What are the transfer ratios for HDFC Bank UPI Rupay Biz Credit Card points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
Other verified details
cash advance fee
Cash advance fee: 2.5% or ₹500 whichever is higher.
VerifiedMITC (Most Important Terms & Conditions) – HDFC Bank Credit Cards (covers UPI RuPay Biz)14 Aug 2026, 10:06 PM ISTHDFC Bank
finance charge
- Finance charge (revolving credit and cash advances): 1.99% per month (23.88% annually) for UPI RuPay Mega Saver Card.
- All other variants 3.75% per month (45.0% annually).
VerifiedMITC (Most Important Terms & Conditions) – HDFC Bank Credit Cards (covers UPI RuPay Biz)14 Aug 2026, 10:06 PM ISTHDFC Bank
Official documents & verification
Official terms
https://www.hdfc.bank.in/business-credit-cards/hdfc-bank-upi-rupay-biz-credit-card.
VerifiedHDFC Bank UPI Rupay Biz Credit Card product page14 Aug 2026, 10:06 PM ISTHDFC Bank
Verified 2026-08-14 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.