HDFC Bank UPI RuPay Credit Card
HDFC Bank
Annual / renewal fee
₹99.
VerifiedMost Important Terms & Conditions (MITC) – HDFC Bank Personal Credit Cards (English)1 Aug 2026, 5:50 PM ISTHDFC Bank
Earn rate
- 3% CashPoints on Groceries, SuperMarket, Dining & all PayZapp transactions (max 500 CashPoints/month).
- 2% CashPoints on Utility spends (max 500 CashPoints/month).
- 1% CashPoints on other spends (max 500 CashPoints/month).
- Transactions >= ₹100 eligible.
- Credit Card purchases done via UPI mode earn up to a maximum of 500 points in a calendar month.
VerifiedTerms & Conditions – HDFC Bank UPI RuPay Credit Card CashPoints Proposition (Rewards/Program Terms)1 Aug 2026, 5:50 PM ISTHDFC Bank
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 Credit Card by HDFC Bank. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
₹99.
VerifiedMost Important Terms & Conditions (MITC) – HDFC Bank Personal Credit Cards (English)1 Aug 2026, 5:50 PM ISTHDFC Bank
Annual / renewal fee
₹99.
VerifiedMost Important Terms & Conditions (MITC) – HDFC Bank Personal Credit Cards (English)1 Aug 2026, 5:50 PM ISTHDFC Bank
Fee waiver
Annual/renewal fee waived on spending ₹25,000 or more in the previous annual year (only retail spends considered; excludes cash advances, payment of outstanding balances, card fees/charges and all EMI transactions).
VerifiedTerms & Conditions – HDFC Bank UPI RuPay Credit Card CashPoints Proposition (Rewards/Program Terms)1 Aug 2026, 5:50 PM ISTHDFC Bank
Rewards
- 3% CashPoints on Groceries, SuperMarket, Dining & all PayZapp transactions (max 500 CashPoints/month).
- 2% CashPoints on Utility spends (max 500 CashPoints/month).
- 1% CashPoints on other spends (max 500 CashPoints/month).
- Transactions >= ₹100 eligible.
- Credit Card purchases done via UPI mode earn up to a maximum of 500 points in a calendar month.
VerifiedTerms & Conditions – HDFC Bank UPI RuPay Credit Card CashPoints Proposition (Rewards/Program Terms)1 Aug 2026, 5:50 PM IST
Award example
- On ₹15,000 spend (₹9,000 select categories under 3%, ₹2,000 other spends, ₹1,000 utility, ₹1,500 fuel, ₹1,500 EMI): fuel and EMI not rewarded.
- 3% on ₹9,000 = 270, 2% on ₹1,000 utility = 20, 1% on ₹2,000 other = 20.
- Total 310 CashPoints.
VerifiedTerms & Conditions – HDFC Bank UPI RuPay Credit Card CashPoints Proposition (Rewards/Program Terms)1 Aug 2026, 5:50 PM ISTHDFC Bank
Redemption value
- CashPoints redeemable against statement balance at 1 CashPoint = ₹0.25.
- Minimum 2000 CashPoints (₹500) required for redemption against statement balance.
- CashPoints also usable against travel (Flights & Hotels) and Rewards Catalogue on SmartBuy at 1 CashPoint = ₹0.25 (up to 50% of booking value for Flights/Hotels).
- Redemption as CashBack against statement: no handling charge.
- Redemption via reward catalogue: ₹99 + Taxes handling charges.
- Unredeemed CashPoints expire after 2 years of accumulation.
VerifiedTerms & Conditions – HDFC Bank UPI RuPay Credit Card CashPoints Proposition (Rewards/Program Terms)1 Aug 2026, 5:50 PM ISTHDFC Bank
Reward cap
- Reward Points redemption for flights & hotels bookings capped per calendar month at 50,000 (w.e.f 1st January 2023).
- Reward points redemption for CashBack redemption capped per calendar month to 50,000 rewards points (w.e.f 1st February 2023).
- Cardmembers can redeem up to 70% of product/Voucher value through Reward points on select vouchers/products (w.e.f 1st February 2023).
VerifiedTerms & Conditions – HDFC Bank UPI RuPay Credit Card CashPoints Proposition (Rewards/Program Terms)1 Aug 2026, 5:50 PM ISTHDFC Bank
Reward exclusion
VerifiedTerms & Conditions – HDFC Bank UPI RuPay Credit Card CashPoints Proposition (Rewards/Program Terms)1 Aug 2026, 5:50 PM ISTHDFC Bank
Travel & lounge
Lounge access
No lounge access benefit is stated for the HDFC Bank UPI RuPay Credit Card in the official sources.
VerifiedMost Important Terms & Conditions (MITC) – HDFC Bank Personal Credit Cards (English)1 Aug 2026, 5:50 PM ISTHDFC Bank
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
- HDFC Bank UPI RuPay Credit Card is issued as a virtual-only card.
- No physical card is sent.
- Card is auto-registered in HDFC Bank MyCards platform (no separately stated welcome/joining gift on official source).
VerifiedTerms & Conditions – HDFC Bank UPI RuPay Credit Card CashPoints Proposition (Rewards/Program Terms)1 Aug 2026, 5:50 PM ISTHDFC Bank
Eligibility
Eligibility
- Issued only to existing HDFC Bank credit card customers (Visa/Mastercard/Diners) who want a RuPay variant for linking to UPI.
- Applied via MyCards servicing platform.
- No document proof required for applying.
- Issued as a virtual-only card (no physical card).
- Details available on MyCards platform.
- PIN can be set by calling IVR number 1860 266 0333.
VerifiedMost Important Terms & Conditions (MITC) – HDFC Bank Personal Credit Cards (English)1 Aug 2026, 5:50 PM ISTHDFC Bank
Charges & interest
Forex markup
Confirm on the official page
Official source not yet captured
Fuel surcharge waiver
Fuel Surcharge waiver Not Applicable for HDFC Bank UPI RuPay / UPI RuPay Biz / UPI RuPay Mega Saver Credit Card.
VerifiedMost Important Terms & Conditions (MITC) – HDFC Bank Personal Credit Cards (English)1 Aug 2026, 5:50 PM ISTHDFC Bank
Interest-free period
- Interest free (grace) credit period could range from 20 to 50 days, subject to scheme and submission of claims by the merchant.
- Not applicable if previous month's balance not cleared in full or if cash withdrawn from ATM.
VerifiedMost Important Terms & Conditions (MITC) – HDFC Bank Personal Credit Cards (English)1 Aug 2026, 5:50 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 Credit Card?
Officially traced: Rs. 99.
Most Important Terms & Conditions (MITC) – HDFC Bank Personal Credit Cards (English)What is the joining fee on the HDFC Bank UPI RuPay Credit Card?
Officially traced: Rs. 99.
Most Important Terms & Conditions (MITC) – HDFC Bank Personal Credit Cards (English)Is the HDFC Bank UPI RuPay Credit Card annual fee ever waived?
Annual/renewal fee waived on spending Rs. 25,000 or more in the previous annual year (only retail spends considered.
Terms & Conditions – HDFC Bank UPI RuPay Credit Card CashPoints Proposition (Rewards/Program Terms)How does the HDFC Bank UPI RuPay Credit Card earn rewards?
3% CashPoints on Groceries, SuperMarket, Dining & all PayZapp transactions (max 500 CashPoints/month); 2% CashPoints on Utility spends (max 500 CashPoints/month); 1% CashPoints on other spends (max 500 CashPoints/month).
Terms & Conditions – HDFC Bank UPI RuPay Credit Card CashPoints Proposition (Rewards/Program Terms)What lounge access does the HDFC Bank UPI RuPay Credit Card include?
No lounge access benefit is stated for the HDFC Bank UPI RuPay Credit Card in the official sources.
Most Important Terms & Conditions (MITC) – HDFC Bank Personal Credit Cards (English)What welcome benefit does the HDFC Bank UPI RuPay Credit Card offer?
HDFC Bank UPI RuPay Credit Card is issued as a virtual-only card; no physical card is sent.
Terms & Conditions – HDFC Bank UPI RuPay Credit Card CashPoints Proposition (Rewards/Program Terms)What are the transfer ratios for HDFC Bank UPI RuPay 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
reward redemption rule
- With effect from 1st Jan 2023 reward points redemption for flights & hotels bookings capped at 50,000 per calendar month.
- With effect from 1st Feb 2023 CashBack redemption capped at 50,000 reward points per calendar month.
- Up to 70% of product/Voucher value redeemable on select vouchers/products.
VerifiedTerms & Conditions – HDFC Bank UPI RuPay Credit Card CashPoints Proposition (Rewards/Program Terms)1 Aug 2026, 5:50 PM ISTHDFC Bank
Official documents & verification
Official terms
https://www.hdfc.bank.in/credit-cards/hdfc-bank-upi-rupay-credit-card.
VerifiedHDFC Bank UPI RuPay Credit Card product page1 Aug 2026, 5:50 PM ISTHDFC Bank
Verified 2026-08-01 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.