HDFC Bank
HDFC Bank UPI RuPay Credit Card
Your rating
Community rating
Joining Fee
₹99
Annual Fee
₹99
Reward Rate
1% – 3%
Forex Markup
3.5%
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Key Benefits
Rewards
How you earn back on every swipe
cashback
Reward type
1% – 3%
Earn rate
4
Points / ₹100
₹0.25
Per point
24 months
Point expiry
₹375
Monthly cap
Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.
Travel & 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
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
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 Mar 2026