All Cards
rupaybasiccredit
HDFC Bank UPI RuPay Credit Card
HDFC Bank
shoppingUPI transactions
Annual Fee
₹99
Joining Fee
₹99 + GST
Base Reward
1% points
Foreign Markup
3.5% of the transaction amount
Fee Waiver
Waived on ₹25,000 annual spend
Interest Rate
3.6% per month (43.2% annually)
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
Rewards
3% Cashpoints on groceries, dining, and supermarket spends. 2% Cashpoints on utility spends. 1% Cashpoints on other spends, with exclusions.
Redemption
1 Cashpoint = ₹0.25 against statement balance, hotel and flight bookings.
Category Rewards
| Category | Reward Rate | Monthly Cap |
|---|---|---|
grocery | 3%(3% Cashpoints) | No cap |
dining | 3%(3% Cashpoints) | No cap |
utilities | 2%(2% Cashpoints) | No cap |
other | 1%(1% Cashpoints) | No cap |
Benefits & Features
Domestic: N/A International: N/A N/A
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
Available Networks
rupay
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