HDFC Bank UPI RuPay Credit Card
HDFC Bank · Open to apply
A virtual RuPay credit card you link to UPI apps, issued as an add-on to an HDFC primary card for ₹99 a year. It earns CashPoints worth ₹0.25 each: 3 per ₹100 on groceries, dining and PayZapp, 2 per ₹100 on utilities and 1 per ₹100 elsewhere, each tier capped at 500 CashPoints (₹125) a month.
- Annual fee
- ₹99 + GST a year
- Joining fee
- ₹99 + GST
- Fee waiver
- Annual fee waived on ₹25,000 spend per card year
- Base rate
- 1 CashPoint per ₹100 on other spends: 1 CashPoints per ₹100 (about 0.25% at cash value)
- Lounges
- None on record
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- 3 CashPoints per ₹100 on groceries, supermarkets and dining: 3 CashPoints per ₹100 (about 0.75% at cash value)
- 2 CashPoints per ₹100 on utility bills: 2 CashPoints per ₹100 (about 0.5% at cash value)
Earns nothing on
- No CashPoints on SmartBuy spends
- No CashPoints on fuel
- No CashPoints on insurance payments
- No CashPoints on education or government-related payments
- No CashPoints on rent payments
- No CashPoints on wallet loads, gift or prepaid card loads and voucher purchases (MCC 6540)
- No CashPoints on any EMI transaction (EasyEMI, SmartEMI, Dial an EMI)
- No CashPoints on online skill-based gaming (from 1 July 2025)
Where the sources disagree
- statement redemption fee: The T&C of 27 March 2025 says "if the cardholder opts for redemption as CashBack against statement, there will be no redemption handling charges". The MITC v4.15 says a ₹50 + GST fee is charged on each cashback redemption request from 1 August 2024, with exemptions that do not include this card. The MITC is used.
- minimum balance to redeem: The T&C says the minimum is 2,000 CashPoints or ₹500; the product page says a minimum of ₹500 statement balance; the product page FAQ says "a minimum of 500 cashpoints". 2,000 CashPoints (₹500 at ₹0.25 each) is used.
Terms the calculator does not value
- The 3% tier covers "all transactions done through the PayZapp app", and the 27 March 2025 T&C says additional CashPoints for applicable PayZapp transactions are credited as PayZapp CashPoints. The calculator has no PayZapp spend line, so PayZapp spend is valued as other spend (1 CashPoint per ₹100).
- The card is a floater on a primary HDFC card, so its spend counts towards that card's credit limit; HDFC does not state how a primary card's own rewards or fee waivers treat the add-on. The calculator values this card on its own and does not add the primary card's fee.
- CashPoints are worth only ₹0.25 each, so every cap of 500 CashPoints is ₹125 of value; at the base rate (1 CashPoint per ₹100) the whole earn is 0.25%.
- Telecom: the MITC's clause n cap ("Reward Points earned on Telecom transactions will be capped at 2000 Reward Points per calendar month", from 1 September 2024) does not apply to this card: "Please note: For Millennia, UPI, BIZ UPI, Swiggy, BIZ First, Paytm, Paytm Business, Easy EMI Millennia, Best Price Save Smart and Bharat credit cards, the capping as per the product feature will continue to be applicable." The product capping is the T&C's: telecom bills are not in the 2% utility tier ("Only 4900 Merchant Category code (MCC) as defined by RuPay Card Network is considered under Utility spends"), so they earn the 1 CashPoint per ₹100 other-spends tier, capped at 500 CashPoints a calendar month ("1% Cashpoints on other spends* 500").
Sources
- HDFC Bank UPI RuPay Credit Card product page (Product page, the bank's own, read 6 Nov 2026)
- Terms & Conditions, HDFC Bank UPI RuPay Credit Card, 27 March 2025 (Reward terms, the bank's own, read 6 Nov 2026)
- HDFC Bank credit cards Most Important Terms and Conditions (Key Fact Statement), version 4.18, updated 31 October 2026 (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- HDFC Bank credit cards listing (explore credit cards) (Product page, the bank's own, read 20 Oct 2026)