HDFC Bank UPI RuPay Credit Card

Joining fee

₹99 + GST

Renewal fee

₹99 + GST

Fee waiver rule

Renewal membership fee waived off by spending ₹25,000 and above in an annual year.

Reward rate

1% cashback · everyday spends1% Cashpoints on other spends.

EMI spend earning

EMI spends shall not earn any CashPoints.

Groceries earning

3% Cashpoints on Groceries, SuperMarket & Dining spends & PayZapp transactions.

Insurance spend earning

1% Cashpoints on other spends (Excluding Rent, Wallet loads, EMI, Fuel, Insurance Payments & Government categories)

Online earning

Cardholder will earn cashpoints for both UPI spends as well normal credit card Ecom spends.

Reward earning on dining spends

3% CashPoints on supermarket, groceries, dining spends, and PayZapp transactions.

Utilities earning

2% CashPoints on all utility payments.

Reward exclusions

CashBack not eligible for: Fuel spends, Cash advances, Payment of outstanding balances, Payment of card fees and other charges, All EMI spends, Wallet spends, Rent payments, Government related spends.

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

Cashback redemption

CashBack is a CashPoints that can be redeemed against the statement balance at a rate of 1 CashPoint = ₹0.25, via net banking or offline redemption on flights, hotel bookings, and rewards catalogue at the SmartBuy rewards portal.

Catalogue redemption

Product Catalogue ₹0.25

Flight redemption

Reward points redemption for flights & 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

CashPoints redeemable against statement balance at 1 CashPoint = ₹0.25; minimum 500 cashpoints required for redemption

Voucher and product redemption

With effect from 1st February 2023, Redemption is capped at up to 70% of product/Voucher value through Reward Points on select vouchers/products

Point expiry

Unredeemed cashpoints will expire/ lapse after 2 years of accumulation.

Smallest number of points that can be redeemed

A minimum of 500 cashpoints is required for redemption

What one reward unit is worth

1 CashPoint = ₹0.25

Fuel earning

Not offered — Fuel spends excluded from CashBack

Rent earning

Not offered — Rent payments excluded from CashBack

Wallet load earning

Not offered — Wallet spends excluded from CashBack

Government spend earning

Not offered — Government related spends excluded from CashBack

Milestone benefits

Renewal membership fee waived off by spending ₹25,000 and above in an annual year.

Minimum spend rules

Minimum transaction amounts of ₹100 & above only are eligible for cashpoints posting for 3%, 2% and 1% features

Fuel surcharge waiver

There is no fuel surcharge applicable on UPI payments. Therefore, no fuel surcharge waiver will be provided.

Surcharge on railway tickets

1% of the transaction amount + GST on Railway Ticket Purchases (refer IRCTC website for detailed fee structure); applicable for all cards other than IRCTC

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 Processing Charges: 1% of BT amount or ₹250, whichever is higher.

Forex markup

3.5% on foreign currency transactions.3.50% of transaction value

Dynamic currency conversion markup

Markup fee of 1.75% on all transactions carried out in Indian Currency at an international location or at merchants which are located in India but registered overseas (with effect from 15th May 2026)

Cash advance fee

2.5% of the withdrawn amount or a minimum of ₹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

The interest rate for HDFC Bank UPI RuPay Credit Card is 3.6% per month.

Interest-free period

Up to 50 days of interest-free period from the date of purchase

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

₹10 per duplicate physical statement.

Card replacement fee

₹199 for non-metal cards; ₹3,500 for metal cards.

Cash payment / cash deposit fee

Cash Processing Fee: ₹100 (for all 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.

EMI conversion fee

Smart EMI processing fee upto ₹849 (exclusive of GST for all loan amounts), depending on the customer’s eligibility/offer details; EasyEMI processing fee: an EMI processing fee of upto ₹299 for customers availing EMI facility at merchant

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

Foreign ATM fee

Cash from ATMs in India or abroad: transaction fee of 2.5% or ₹500, whichever is higher, levied on the amount withdrawn and billed in the next statement.

Reward redemption fee

Processing fee of ₹99 + GST for each catalogue redemption request; a redemption request may contain one or multiple items/products redeemed together, and processing fee is charged once per request

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), applied on the total utility spends in a calendar month; fee capped at ₹4999 per month.

GST note

Effective 1st July 2017, GST is applicable on all fees, charges and interest transactions

Minimum amount due

MAD (WEF June’25) = Total GST + EMI amount + 100% of Fees/Charges + Overlimit Amount (if any) + 5% of (Finance Charge + Retail Spends + Cash Advance) when that 5% is higher than the Finance Charge; otherwise 100% of Finance Charges + 5% of (Retail Spends + Cash Advance)

Documents required

No document proof is required for applying UPI RuPay Credit card.