HDFC Bank UPI RuPay Credit Card

Rewards, as stated by the issuer

• 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 Cash Back, 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 & 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

• 3% CashPoints on supermarket, groceries, dining spends, and PayZapp transactions*
• Payment Benefits
• 2% CashPoints on all utility payments & 1% CashPoints on all other spends*
• Zero Fuel surcharge
• Renewal membership fee waived on spending of 25000/- and above in a year
• Enjoy Rewards on your UPI transactions just like 25 Lakh+ HDFC Bank card holders

Welcome & milestones

Lounge access

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

Eligibility

Every fee line found on the page

• Renewal membership fee waived off by spending ₹25,000 and above in an annual year*
• 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.