HDFC UPI RuPay Credit Card
★ 3.8 / 5 ⓘ How we rateUse credit on UPI and earn CashPoints on groceries & dining
✅ Verified Oct 2026 from HDFC Bank's official terms →
✍️ Checked by Deepak Kumar, CardSwipe · updated Oct 2026
Why people love it
People who want a low-fee card to pay by UPI scan
Key benefits
- 3% CashPoints on groceries, supermarkets, dining and PayZapp spends
- 2% CashPoints on utility bills, 1% on other spends
- Rewards apply to both UPI and regular card spends
- Very low ₹99 fee, easy to waive
What's great
- Very low fee
- Works on all UPI apps
- Good starter card
Good to know
- 1 CashPoint = ₹0.25, so real value is much lower
- Each category capped at 500 CashPoints/month
- No lounge access
Quick facts
How to apply
Keep these ready
- 🪪 PAN card
- 🆔 Aadhaar (for e-KYC / video KYC)
- 📄 Income proof — salary slip or ITR (not needed for FD-backed cards)
Fees & charges (fine print)
| Interest on unpaid bill | 3.75%/month (45% p.a.) |
| Foreign currency markup | 3.5% |
| Cash withdrawal fee | 2.5% (min ₹500) |
| Late payment fee | ₹0 – ₹1,300 by bill amount |
- No rewards on fuel, rent, wallet loads, government payments
- 18% GST applies on all fees
💡 Pay your full bill before the due date and you pay zero interest.
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❓ HDFC UPI RuPay — common questions
Is the HDFC UPI RuPay Credit Card lifetime free?
No. It has a joining fee of ₹99 and an annual fee of ₹99 (plus 18% GST). Annual fee waived on ₹25,000 yearly spend.
What rewards does the HDFC UPI RuPay Credit Card give?
0.25% – 0.75% value back. 3% CashPoints on groceries, supermarkets, dining and PayZapp spends.
Who is eligible for the HDFC UPI RuPay Credit Card?
Minimum income: ₹20,000/month. Age: 21 – 60 years. Credit score: 700+. Final approval is decided by the bank.
Does the HDFC UPI RuPay Credit Card give airport lounge access?
No, this card does not include airport lounge access.
What is the forex markup on the HDFC UPI RuPay Credit Card?
3.5% on foreign currency spends (plus GST).
Who should get the HDFC UPI RuPay Credit Card?
People who want a low-fee card to pay by UPI scan.
Approval is at the bank's discretion. Check final terms on the bank's page before applying.