HDFC BankHDFC Bank UPI RuPay Credit Card

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HDFC Bank

HDFC Bank UPI RuPay Credit Card

Name: HDFC Bank UPI RuPay Credit Card
Brand: HDFC Bank

A virtual floater card for existing eligible HDFC credit-card holders. Applicants without an HDFC primary card need to obtain one first.

3.5Best for groceries

Verifying

Joining fee incl. GST: ₹117
Renewal fee incl. GST: ₹117
Conditional welcome value: —
Forex markup: —
Interest p.a.: 45%
Min income (salaried): —

How this card earns

Reward rates with their qualifying conditions and caps. Use the calculator for a combined estimate.

Calculation coverage is still under review for this card. A recorded benefit does not mean every condition has been included in the estimate.

What still needs confirmation

MCC classification and separately named UPI successor variants must be checked against the account offer.

Spend category	Reward rate	Reward limit
Groceries 3% CashPoints on groceries, supermarket and dining spends and on all PayZapp transactions — 3 CashPoints per Rs. 100. At 1 CashPoint = Rs. 0.25 this is 0.75% effective value-back. This 3% tier has its OWN ceiling of 500 CashPoints per calendar month (Rs. 125 of value), shared only within the tier and not with the 2% or 1% tiers. Monthly cap shown as the spend at which it binds: 500 CashPoints ÷ 3 CashPoints per Rs.100 ≈ Rs.16,667. Qualification is by RuPay merchant category code: 5411 for grocery and supermarket, 5812 and 5814 for dining — a merchant outside those MCCs earns the 1% base rate instead.	0.75%	₹125 shared reward / month
Dining Part of the same 3% CashPoints tier as groceries, supermarket and PayZapp. 3 CashPoints per Rs. 100 = 0.75% effective at Rs. 0.25 a CashPoint. Shares that tier's own 500-CashPoint calendar-month ceiling (Rs. 125), which is separate from the 2% and 1% tiers' ceilings. Monthly cap shown as the spend at which it binds: 500 CashPoints ÷ 3 per Rs.100 ≈ Rs.16,667. Dining qualifies on RuPay MCC 5812 and 5814 only.	0.75%	₹125 shared reward / month
Selected merchants Only the qualifying merchants or payment route below 3% CashPoints on groceries, supermarket and dining spends and on all PayZapp transactions — 3 CashPoints per Rs. 100. At 1 CashPoint = Rs. 0.25 this is 0.75% effective value-back. This 3% tier has its OWN ceiling of 500 CashPoints per calendar month (Rs. 125 of value), shared only within the tier and not with the 2% or 1% tiers. Monthly cap shown as the spend at which it binds: 500 CashPoints ÷ 3 CashPoints per Rs.100 ≈ Rs.16,667. Qualification is by RuPay merchant category code: 5411 for grocery and supermarket, 5812 and 5814 for dining — a merchant outside those MCCs earns the 1% base rate instead.	0.75%	₹125 shared reward / month
Utilities & bills 2% CashPoints on utility spends — 2 CashPoints per Rs. 100 = 0.50% effective at Rs. 0.25 a CashPoint. This tier has its OWN 500-CashPoint calendar-month ceiling (Rs. 125), separate from the 3% and 1% tiers. Monthly cap shown as the spend at which it binds: 500 CashPoints ÷ 2 per Rs.100 = Rs.25,000. Only RuPay MCC 4900 counts as a utility spend.	0.5%	₹125 shared reward / month
Other eligible purchases UPI, scan-and-pay and all other eligible spends earn the base 1% tier — 1 CashPoint per Rs. 100 = 0.25% effective at Rs. 0.25 a CashPoint. This tier has its OWN 500-CashPoint calendar-month ceiling (Rs. 125), separate from the 3% and 2% tiers, so the three ceilings total 1,500 CashPoints (Rs. 375) a month rather than 500. Monthly cap shown as the spend at which it binds: 500 CashPoints ÷ 1 per Rs.100 = Rs.50,000. HDFC excludes fuel spends, cash advances, payment of outstanding balances, card fees and other charges, all EMI spends (merchant EMI, SmartEMI, Dial-an-EMI), wallet spends, rent payments and government-related spends from CashPoints entirely.	0.25%	₹125 shared reward / month
Other eligible purchases Ordinary eligible purchases share the 500-CashPoint (₹125) monthly 1% CashPoints tier with ordinary UPI purchases.	0.25%	₹125 shared reward / month

Excluded from ordinary earning: Fuel, Rent. Specific qualifying offers, if any, are listed above.

Rates apply only to the merchants and conditions described. Shared ceilings cannot be added across rows. Points and vouchers are valued at the stated redemption assumption; use the spending calculator for a combined estimate.

Fees & charges

Joining fee₹99

Annual fee₹99

Annual fee waiverRenewal fee waived on annual spends of Rs. 25,000 or more in the preceding year.

Foreign currency markup—

Finance charge (p.a.)45%

Key benefits

A virtual floater card for existing eligible HDFC credit-card holders. Applicants without an HDFC primary card need to obtain one first.
Pay directly from the credit card via UPI by linking it to UPI apps (e.g. PayZapp, Google Pay, PhonePe).
Earn CashPoints on both UPI spends and regular online/POS spends. Each of the three rate tiers — 3%, 2% and 1% — carries its own separate ceiling of 500 CashPoints per calendar month.
No physical card is issued: this is a virtual-only card, with the details available in HDFC MyCards (HDFC MITC v4.8, updated 2 September 2026).
1 CashPoint = Rs. 0.25 redemption value; a minimum statement balance of Rs. 500 is required to redeem against the statement.
CashPoints are computed on a calendar-month basis, not a statement cycle: transactions settled between the 1st and the 30th or 31st are posted in the first week of the following month.
UPI payments carry no fuel surcharge, so no fuel surcharge waiver is offered. With effect from 1 October 2025 a 1% fee is levied on fuel transactions above Rs. 15,000, capped at Rs. 4,999 per transaction.
Reward Point redemption for flight and hotel bookings is capped at 50,000 points a month, and CashPoints can cover at most 50% of a booking value.

What we like

+Very low joining and renewal fee of Rs. 99, waived on Rs. 25,000 annual spends.
+Lets you make UPI payments directly from a credit card by linking it to UPI apps.
+Earns CashPoints on UPI/scan-and-pay spends, which most credit cards exclude.
+3% CashPoints tier (0.75% value-back) on everyday groceries, supermarket and dining spends.
+2% CashPoints (0.50% value-back) on utility bill payments, which many cards exclude.

What to watch

−Each rate tier has a shared 500-CashPoint monthly cap (₹125); groceries and dining do not get separate caps.
−Low CashPoint value (Rs. 0.25) makes headline percentages much smaller in effective value-back.
−No airport lounge access. No fuel surcharge waiver either: HDFC states that UPI payments carry no fuel surcharge, and since 1 October 2025 fuel transactions above Rs. 15,000 attract a 1% fee.
−Fuel, cash advances, card fees, all EMI spends, wallet loads, rent and government payments are excluded from CashPoints entirely.