HDFC Bank UPI RuPay Credit Card
HDFC Bank · Points/miles card · ₹99 annual fee
Fees & benefits
| Annual fee | ₹99 + GST — waived at ₹25,000/yr spend |
| Welcome benefit | None |
| Airport lounges | None |
| No rewards on | rent, wallet, emi, fuel, insurance, government |
Reward rates (with caps — the part that actually matters)
| Rule | Effective rate | Monthly cap | Applies to |
|---|---|---|---|
| 3% CashPoints on grocery/supermarket/dining (UPI) | 3% | ₹125 | grocery, dining · via upi |
| 2% CashPoints on utility (UPI) | 2% | ₹125 | utility · via upi |
| 1% CashPoints on other UPI spends | 1% | ₹125 | via upi |
What it's worth at your spend
Net annual value on a typical Indian urban spend mix (shopping-heavy, incl. groceries, dining, fuel, travel, bills), after caps and fees. Rank is out of all 50 cards we track.
Caveats & recent changes
RuPay-on-UPI: earns on scan-and-pay UPI (and card) spend; each tier capped 500 CashPoints (~Rs.125)/month.
SmartBuy, rent, wallet, fuel, insurance and government spends are excluded from rewards.
Verified 2026-07-16 against independent official-source verification; reward-point rupee values are modeled (see est. tags).
Quick answers
Is the HDFC Bank UPI RuPay Credit Card lifetime free?
No, the annual fee is ₹99 (plus GST), waived on spending ₹25,000 a year.
What is the highest reward rate on the HDFC Bank UPI RuPay Credit Card?
3% — 3% CashPoints on grocery/supermarket/dining (UPI). Effective value depends on monthly caps; see the caveats on this page.
Does the HDFC Bank UPI RuPay Credit Card give airport lounge access?
No, the HDFC Bank UPI RuPay Credit Card does not include airport lounge access.
Where the HDFC Bank UPI RuPay Credit Card fits
Ranks in our: Credit cards for UPI spend (#1).
Compare it: HDFC Bank UPI RuPay Credit Card vs Scapia Federal Bank Credit Card · HDFC Bank UPI RuPay Credit Card vs Canara Bank RuPay Platinum Credit Card.
Best cards by spend: ₹15,000/month · ₹30,000/month · ₹60,000/month. Check if this card's fee is worth it.