HDFC Bank
HDFC Bank UPI RuPay Credit Card
Annual Fee
₹99
Base Reward
1% points
Foreign Markup
3.5% of the transaction amount
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
grocery
3% Cashpoints
3% Cashpoints
dining
3% Cashpoints
3% Cashpoints
utilities
2% Cashpoints
2% Cashpoints
other
1% Cashpoints
1% Cashpoints
Fee Waiver
Waived on ₹25,000 annual spend
Rewards Details
3% Cashpoints on groceries, dining, and supermarket spends. 2% Cashpoints on utility spends. 1% Cashpoints on other spends, with exclusions.
- 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
Partner Merchants
Fees & Charges
Eligibility
Networks
Fee Waiver
Waived on ₹25,000 annual spend