HDFC Bank UPI RuPay Biz Credit Card

Rewards, as stated by the issuer

• CashPoint benefits on both UPI and regular Credit Card spends*
• 3% Cashpoints on Groceries, SuperMarket & Dining spends & PayZapp transactions
• 2% Cashpoints on Utility bills
• 1% Cashpoints on other spends (Excluding Rent, Wallet loads, EMI, Fuel, Insurance Payments & Government categories
• Earn Cashpoints on your UPI transactions
• CashPoints as per the product feature will be credited in the form of CashBack, which can be redeemed by the customer against their statement balance
• 1 CashPoint = ₹0.25
• Reward Points Redemption against each category can be redeemed at the below value:
• CashBack against statement
• CashPoints can be redeemed up to 50% of the booking value for Flight and Hotel Bookings. The remaining amount will have to be paid with Credit Card
• Reward points redemption for flights and hotel bookings are capped at ₹50,000/month
• Redemption is capped at up to 70% of product/Voucher value through Reward Points on select vouchers/products
• A minimum of ₹500 statement balance is required for redemption
• Unredeemed CashPoints will expire/lapse after 2 years of accumulation

Other benefits

• Renewal Benefits
• Renewal membership fee waived on spending of ₹25,000 and above in a year
• Zero Fuel surcharge

Lounge access

No airport lounge rule is listed on this card's page.

Every fee line found on the page

• Renewal membership fee waived on spending of ₹25,000 and above in a year
• Joining/ Renewal Membership Fee - ₹99/- + Applicable Taxes (Festive Season Offer!!!)
• Spend ₹25,000 or more in an annual year, before your Credit Card renewal date and get your renewal fee waived off from 2nd year onwards
• There is no fuel surcharge applicable on UPI payments. Therefore, no fuel surcharge waiver will be provided, however w.e.f 1st Oct 2025, 1% fee will be levied on Fuel transaction exceeding Rs 15,000. Fee capped at Rs 4999 per transaction
• First Year Membership Fee of ₹99 + applicable taxes and renewal membership Fee of ₹99 + applicable taxes
• Spend ₹25,000 in 12 months (Annual year) and get the renewal fee waived for the next renewal year.