HDFC Bank UPI RuPay Credit Card
The HDFC Bank UPI RuPay Credit Card is India's entry into the UPI-linked credit card segment.
RuPay UPI Scan & Pay Fit Score
88/100
Joining Fee
₹99
Annual Fee
₹99
Reward Rate (%)
1 – 3
4 pts/₹100 · ₹0.25/pt
Forex Markup
3.5%
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CardCheck Rating & Score
Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.
Reward Power
27/35
Fee Value & ROI
24/25
Lounge & Perks
4/20
Forex & Access
12/20
Category Strengths Breakdown
Ranked by strongest spend categoryScoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →
HDFC Bank UPI RuPay Credit Card Benefits
HDFC Bank UPI RuPay Credit Card Rewards
How you earn back on every swipe
points
Reward type
1% – 3%
Earn rate
4
Points / ₹100
₹0.25
Per point
24 months
Point expiry
₹125
Monthly cap
HDFC Bank UPI RuPay Credit Card Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other statutory charges are detailed in the official Most Important Terms and Conditions (MITC).
HDFC Bank UPI RuPay Credit Card Lounge Access
Airport perks included with this card
0 per quarter
Domestic lounge visits
0 per year
International lounge visits
Things to Keep in Mind
- fuel
- rent payments
- wallet loads
- EMI transactions
- government payments
- insurance payments
- gift/prepaid card loads
- voucher purchases
- SmartBuy spends
Card Features
Fee Waiver Spend Simulator
Simulate your spend to check waiver eligibility
Spend ₹0/mo more (or ₹4 more per year) to waive the renewal fee.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
HDFC Bank UPI RuPay Credit Card Eligibility
Employment type
Pros & Cons
- Good beginner-friendly RuPay UPI credit card
- Earn rewards even on UPI QR transactions
- Very low annual fee of ₹99 + GST
- Easy annual fee waiver milestone
- Useful rewards on groceries and dining
- Works across major UPI apps like PhonePe, GPay & Paytm
- Simple rewards structure for everyday spending
- No airport lounge access
- Reward redemption value is relatively low
- Cashback/reward caps apply on bonus categories
- Forex markup is high for international spending
- Limited travel and premium lifestyle benefits
- Exclusions apply on rent, fuel, EMI, insurance & wallet loads
- Mostly useful as a secondary UPI card rather than primary rewards card
Who is this card for?
Regular UPI users — paying utility bills, shopping at offline stores, or scanning QR codes — who want to earn credit card rewards without the complexity of swiping a card.
Quick Links
Data last updated 24 Sept 2026
Calculate your exact earnings with HDFC Bank UPI RuPay Credit Card
Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your estimated net return after fees, reward caps and exclusions.
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