HDFC BankHDFC Bank UPI RuPay Credit Card

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HDFC Bank

HDFC Bank UPI RuPay Credit Card

3.5Best for groceries

How this card earns

Reward rates by category, with caps and an estimated yearly value.

Spend category	Reward rate	Monthly cap	Est. value/yr
Groceries Marketed as 3% CashPoints on groceries, supermarket and dining spends (and PayZapp transactions). Reward is 3 CashPoints per Rs. 100; at 1 CashPoint = Rs. 0.25 this is an effective 0.75% value-back. Monthly cap of 500 CashPoints = Rs. 125 value.	0.75%	₹125	₹11
Dining Part of the same 3% CashPoints tier as groceries/supermarket. 3 CashPoints per Rs. 100 = 0.75% effective value-back at Rs. 0.25/CashPoint. Cap of 500 CashPoints/month = Rs. 125 value (shared with the 3% tier).	0.75%	₹125	₹11
Utilities & bills Marketed as 2% CashPoints on utility spends. 2 CashPoints per Rs. 100 = 0.50% effective value-back at Rs. 0.25/CashPoint. Monthly cap of 500 CashPoints = Rs. 125 value.	0.5%	₹125	₹8
UPI spends UPI/scan-and-pay and other eligible spends earn the base 1% CashPoints tier (1 CashPoint per Rs. 100 = 0.25% effective value-back at Rs. 0.25/CashPoint). Monthly cap of 500 CashPoints = Rs. 125 value. Excludes rent, wallet loads, EMI, fuel, insurance, education, government payments, cash advances and fees. Minimum transaction of Rs. 100 to earn CashPoints.	0.25%	₹125	₹4
All other spends	0.25%	—	₹300

Estimated yearly value assumes ₹10,000/month spend in each category, capped where the card caps rewards.

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%

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, subject to per-category caps.
1 CashPoint = Rs. 0.25 redemption value; minimum 2,000 CashPoints (Rs. 500) required to redeem; unredeemed CashPoints lapse after 2 years.

+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.

−Per-category monthly caps of 500 CashPoints (Rs. 125) sharply limit total rewards.
−Low CashPoint value (Rs. 0.25) makes headline percentages much smaller in effective value-back.
−No airport lounge access or fuel surcharge waiver.
−Many common categories (rent, fuel, insurance, education, wallet loads, EMI, government) are excluded from rewards.