HomeCredit CardsHDFC Bank UPI RuPay Credit Card
HDFC Bank UPI RuPay Credit Card

HDFC Bank

HDFC Bank UPI RuPay Credit Card

rupaybasiccreditshoppingUPI transactions

Annual Fee

₹117₹99 + GST

Base Reward

1% points

Foreign Markup

3.5% of the transaction amount

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4.5/5
VerifiedLast updated 26 May 2026

Product Highlights

  • 3% Cashpoints on supermarket, dining, grocery, and PayZapp spends
  • 2% Cashpoints on Utility spends
  • 1% Cashpoints on other spends excluding some spend categories

Category Rewards

utilities

2% CashPoints on utility spends

0.5X

Fee Waiver

Waived on ₹25,000 annual spend

Merchant-Specific Rewards

1 pt ≈ ₹0.25–₹0.50
PayZapp

PayZapp

3% CashPoints on Groceries / SuperMarket / Dining / PayZapp

0.75X

Reward Calculator

Earns ₹750/year (net)

Modest gain. Solid hold if you like the perks.

Monthly spend

₹16K

across all your buckets

Points / yr

3K

HDFC CashPoints

Best worth

₹750

via standard · ₹0.25/pt

Effective rate

0.39%

Annual fee

FREE

Year 1 net

+₹750

Year 2+ net

+₹750

ongoing

Adjust your spend by reward bucket

3 buckets
0.75%3% CashPoints on Groceries / SuperMarket / Dining / PayZapp
₹3,000/mo
Earns 90 hdfc cashpoints / mo≈ ₹23 worth/mo
0.50%2% CashPoints on utility spends
₹3,000/mo
Earns 60 hdfc cashpoints / mo≈ ₹15 worth/mo
0.25%All other spends
₹10,000/mo
Earns 100 hdfc cashpoints / mo≈ ₹25 worth/mo

Surcharges & Exclusions

Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.

Excluded from rewards

fuel, wallet, cash advance, emi, government, rent

Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.

Rewards Details

3% Cashpoints on groceries, dining, and supermarket spends. 2% Cashpoints on utility spends. 1% Cashpoints on other spends, with exclusions.

Reward Points — Redemption Value
  • 1 Cashpoint = ₹0.25 against statement balance, hotel and flight bookings.

Benefits & Features

Domestic: N/A International: N/A N/A

Pros & Cons

Pros

  • Earn CashPoints on both regular and UPI payments made with the credit card
  • Get up to 3% CashPoints on grocery, supermarket, dining, and PayZapp spends
  • The card is issued only virtually and there is no hassle of keeping the physical variant

Cons

  • There are not many benefits apart from the UPI payments and cashback
  • Many spend categories are excluded from earning cashback

Additional Info

Cashpoints expire after 2 years of accumulation.

Redemption for flights and hotel bookings is capped at ₹50,000/month.

A minimum of ₹500 statement balance is required for redemption.

Capped at 500 Cashpoints maximum every month for each category.

Excluded Categories

fuelrentgovtwallet loadsgift card loadsvoucher purchasescash advancespayment of outstanding balancespayment of card feesemi transactions

Partner Merchants

PaytmPhonePeMobikwik

Ready to apply?

Apply directly on the bank's official website. Quick approval, no hidden steps.

Apply Now

Official bank website · Secure

Fees & Charges

Annual Fee₹99
Joining Fee₹99 + GST
Fee WaiverWaived on ₹25,000 annual spend
Foreign Markup3.5% of the transaction amount
Interest Rate3.6% per month (43.2% annually)
Cash Advance2.5% of the withdrawal amount or ₹500, whichever is higher
Redemption Fee₹99 + GST per redemption request

Eligibility

Networks

rupay