HDFC Bank UPI RuPay Biz Credit Card

HDFC Bank · Open to apply

HDFC's virtual RuPay business card that works on UPI. It pays CashPoints worth ₹0.25: 3% on groceries, dining and PayZapp, 2% on utilities and 1% on everything else, each tier capped at 500 CashPoints a month, for ₹99 a year waived at ₹25,000. It comes only as an add-on to an existing HDFC Bank credit card.

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% CashPoints 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 on groceries, supermarkets, dining and PayZapp: 3 CashPoints per ₹100 (about 0.75% at cash value)
  • 3% CashPoints on utility and telecom bills paid through PayZapp: 3 CashPoints per ₹100 (about 0.75% at cash value)
  • 2% CashPoints on utility bills: 2 CashPoints per ₹100 (about 0.5% at cash value)

Earns nothing on

  • No CashPoints on fuel
  • No CashPoints on rent
  • No CashPoints on EMI spends of any kind
  • No CashPoints on wallet, gift and prepaid card loads or voucher purchases
  • No CashPoints on insurance and government payments
  • No CashPoints on education, including fees paid through third-party apps
  • No CashPoints on cash advances
  • No CashPoints on online skill-based gaming (from 1 July 2025)

Where the sources disagree

  • annual fee: The 2023 Biz FAQ says ₹250 for the first year and renewal; the product page ("Festive Season Offer") and MITC v4.15 say ₹99. The MITC is used.
  • exclusions from CashPoints: The 2023 Biz FAQ lists fuel, rent, EMI, education and wallet spends as excluded; the product page and the consumer T&C of 27 March 2025 also exclude insurance and government payments. The newer documents are used.
  • fuel fee threshold: The product page's FAQ (copied from the consumer card) says a 1% fee applies to fuel above ₹15,000 from 1 October 2025; MITC clause r says ₹15,000 for consumer cards and ₹30,000 for business cards. The MITC business figure is used.
  • minimum CashPoints for statement redemption: The T&C and FAQ say at least 2,000 CashPoints; the product page says a minimum of ₹500 statement balance, and its FAQ says 500 CashPoints. The T&C figure is used.

Terms the calculator does not value

  • HDFC pays the 3% on every PayZapp transaction (except clubs, housing, rent, hospital, education, donation, mutual funds, loans, card payments and wallet loads), credited partly as PayZapp CashPoints. Only bills paid through PayZapp are entered (rule payzapp-bills, with `requires`); other spends routed through PayZapp are not.
  • The dining 3% counts only MCC 5812 and 5814; bars (5813) and caterers (5811) in the calculator's dining category would earn the 1% instead. Utility bills count only MCC 4900.
  • Spends made through SmartBuy do not earn CashPoints (FAQ). Not entered as a rule: the calculator's portal option means "buy through the portal where it pays", and a rate-0 portal rule would only penalise it.
  • Because each tier is capped at 500 CashPoints a month (about ₹125), the card's value is small whatever the spend; 3% at ₹0.25 a CashPoint is worth 0.75% up to ₹16,667 a month of qualifying spend.

Sources

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