Key Benefits
Up to 3% CashPoints, UPI rewards, 50 days interest-free
Lounge Access
No lounge access available
Eligibility
Existing HDFC cardholders, age 21-65, CIBIL 700+
The HDFC Bank UPI RuPay Biz Credit Card is a solid entry-level business card for existing HDFC customers who want to earn CashPoints on everyday UPI payments. While the reward rates are modest at 0.25-0.75%, the card offers good value for daily expenses like groceries and utility bills. Best suited for beginners or as a supplementary UPI-enabled card alongside your primary credit card.
Best For
UPI payment enthusiasts, beginners building credit history, small business owners who want CashPoints on daily expenses including groceries, dining and utility payments.
Not Ideal For
Those seeking physical cards, high reward rates, lounge access, international usage, or premium card benefits. Not suitable as a standalone first credit card.
All Spends
Grocery
Dining
Online
Utility Bills
CashPoints on UPI transactions (same rates)
No CashPoints on SmartBuy spends
Redeem your points for cashback, travel, and more
Statement Credit
Minimum 2000 CashPoints required. No redemption fee for statement credit.
SmartBuy Flights
Up to 50% of booking value through CashPoints. Capped at 50,000 points/month.
SmartBuy Hotels
Up to 50% of booking value through CashPoints. Capped at 50,000 points/month.
Rewards Catalogue
Up to 70% of product/voucher value through CashPoints. Rs.99 + taxes redemption fee.
Airmiles Conversion
CashPoints can be converted to Airmiles at Rs.0.25 per CashPoint.
Renewal membership fee waived on spending Rs.25,000 or more in a year
Spend ₹25,000 within 365 days
value
Maximum 1,500 CashPoints (Rs.375) earned monthly by hitting all 3 category caps
Spend ₹50,000 within 30 days
value
Minimum 2,000 CashPoints (Rs.500) required for statement credit redemption
value
See how this card performs in different spending categories compared to other cards.
The HDFC Bank UPI RuPay Biz Credit Card is a virtual business credit card designed for existing HDFC Bank customers who want to earn CashPoints on their everyday UPI transactions. Issued on the RuPay network, this card seamlessly integrates credit card benefits with UPI payments, making it an excellent choice for small business owners and individuals who frequently use UPI for daily expenses.
With CashPoints earning rates of up to 3% on groceries, supermarkets, dining and PayZapp transactions, the card provides tangible value on routine spending categories. The low annual fee of Rs.250 with an easily achievable Rs.25,000 spend waiver makes it accessible to beginners looking to build their credit history.
The HDFC Bank UPI RuPay Biz Credit Card is a virtual-only business credit card that combines the convenience of UPI payments with credit card rewards. Unlike traditional credit cards, this card exists only in digital form and is auto-registered in the HDFC Bank MyCards platform.
Earn CashPoints on every eligible transaction, whether through UPI or regular credit card usage:
Each category has a maximum cap of 500 CashPoints per calendar month. Only transactions of Rs.100 and above qualify for CashPoints.
Link your card to any UPI app and earn CashPoints on UPI transactions at the same rates as regular credit card spends. This makes it one of the few cards that truly rewards UPI usage.
CashPoints can be redeemed at a uniform rate of 1 CashPoint = Rs.0.25 across all redemption options including statement credit, SmartBuy flights and hotels, rewards catalogue, and airmiles conversion.
Enjoy up to 50 days of interest-free credit from the date of purchase, giving you flexibility in managing your cash flow.
The HDFC Bank UPI RuPay Biz Credit Card does not offer any specific welcome benefit or joining bonus.
Spend Rs.25,000 or more in a membership year before your credit card renewal date to get the renewal fee waived from the 2nd year onwards. Only retail spends count towards this waiver - cash advances, outstanding balance payments, card fees, and EMI transactions are excluded.
By maximizing all three CashPoint categories, you can earn up to 1,500 CashPoints (worth Rs.375) every month: 500 from the 3% category, 500 from the 2% category, and 500 from the 1% category.
The HDFC Bank UPI RuPay Biz Credit Card does not offer any complimentary airport lounge access. This is an entry-level business card focused on UPI payment rewards rather than travel benefits.
CashPoints are earned on both UPI transactions and regular credit card e-commerce transactions:
Minimum transaction amount of Rs.100 required. CashPoints are calculated on calendar month basis and posted in the first week of the next month.
All redemption options offer the same value of 1 CashPoint = Rs.0.25:
| Fee Type | Amount |
|---|---|
| Joining Fee | Rs.250 + applicable taxes |
| Annual/Renewal Fee | Rs.250 + applicable taxes |
| Annual Fee Waiver | Spend Rs.25,000 in a membership year |
| Cash Advance Fee | 2.5% or Rs.500, whichever is higher |
| Overlimit Charges | 2.5% or Rs.550, whichever is higher |
| Foreign Currency Markup | 3.5% + applicable GST |
| Finance Charges | 3.75% per month (45% p.a.) |
| Card Replacement | Rs.100 |
| Rewards Catalogue Redemption | Rs.99 + taxes per request |
| Statement Credit Redemption | Free |
| Outstanding Amount | Late Fee |
|---|---|
| Rs.1 to Rs.100 | Nil |
| Rs.101 to Rs.500 | Rs.100 |
| Rs.501 to Rs.1,000 | Rs.500 |
| Rs.1,001 to Rs.5,000 | Rs.600 |
| Rs.5,001 to Rs.10,000 | Rs.750 |
| Rs.10,001 to Rs.25,000 | Rs.900 |
| Rs.25,001 to Rs.50,000 | Rs.1,100 |
| Above Rs.50,000 | Rs.1,300 |
This card cannot be obtained as a standalone or fresh credit card. You must already have an active HDFC Bank primary credit card to be eligible for the UPI RuPay Biz Credit Card.
Note: Since this card is issued as an add-on to existing HDFC cardholders, document requirements may be minimal if already verified for the primary card.
The HDFC Bank UPI RuPay Biz Credit Card serves a specific niche well - it rewards UPI payments with CashPoints, making everyday digital transactions slightly more rewarding. With an effective reward rate between 0.25% and 0.75%, it may not match premium cards, but its low Rs.250 annual fee and easy Rs.25,000 waiver threshold make it a risk-free proposition for existing HDFC cardholders.
This card is best suited for small business owners and individuals who make frequent UPI payments for groceries, dining and utility bills. If you are already an HDFC cardholder and want to earn some value on your UPI transactions, this virtual add-on card is worth considering. However, if you need a physical card, lounge access, or higher reward rates, you should explore other options in the HDFC portfolio.
Last updated: 1 February 2026
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