HDFC UPI RuPay Credit Card: Fees, Rewards & Benefits
Dining card
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A near-free ₹99 RuPay-on-UPI card offering 3X on dining/grocery and 2X on utilities, capped at 500 points/month, with an easy ₹25,000 waiver and no income bar. The ₹0.25 point value and low cap keep returns small, but as a no-cost UPI companion it does its job.
Dining card
The Bottom Line
The HDFC UPI RuPay is built for upi-first everyday user and no-income-proof applicant. With a ₹99 annual fee that is waived on ₹25,000 yearly spend, it offers 0.5% rewards on utility and zero lost card liability. It makes the most sense if your spending matches upi-first everyday user and no-income-proof applicant.
It earns a base reward rate of 0.25% and stacks best when your spending lines up with UPI-first everyday user, No-income-proof applicant. The renewal fee gets easier to justify once you can hit ₹25,000 in yearly spend.
Who Should Get This Card
Use this as a quick filter before comparing rewards or fees in detail.
Best fit for
IdealThose wanting a near-free RuPay card for UPI dining, grocery and utility spends with a tiny ₹25,000 waiver bar.
Applicants without strong income documentation, since no minimum income is specified.
Probably not for
SkipAt ₹0.25 per point and a 500-point monthly cap, the real return is low even on bonus categories.
No lounge access and a 3.5% forex markup mean travellers get nothing from this card.
Is It Worth It For You?
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Reward Rates
HDFC UPI RuPay offers 0.25% basic reward rate.
Quick Calculator
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Milestone Benefits
Renewal membership fee waiver on spends of ₹25,000 or more in an anniversary year.
Fees & Charges
Eligibility
- Min Credit Score: 750
- Existing HDFC Bank credit cardholders only; issued as virtual add-on floater card; annual fee ₹99 waived on ₹25,000 annual spend.
Exclusions & Terms
Forex markup
- Foreign currency markup
EMI Transactions
- No reward points.
Frequently Asked Questions
2 data-backed answers from our card database
Ready to apply?
₹99 annual fee. Apply on the HDFC Bank website.
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