Home / HDFC Bank / HDFC UPI RuPay
Card Image

HDFC UPI RuPay

HDFC Bank
|
Entry Level UPI-enabled

Annual Fee

₹99

Rewards/₹100 ⓘ

₹1.00 - ₹3.00

Normalized to balance base rate with bonus categories

At a Glance

Key Benefits

Cashback rewards

Lounge Access

No lounge access

Eligibility

Any income level, Age: 21-60 years

Quick Details

Annual Fee
₹99 #58
Joining Fee
₹99 #65
Rewards/₹100
₹1.00 - ₹3.00 #101
Reward Type Cashback
Reward Currency Cashback
Min Monthly Income ₹NaN
Network RUPAY
Fee Waiver on Spend ₹25,000/yr

Reward Structure

Accel

Groceries, SuperMarket, Dining, PayZapp

₹0.75 /₹100
Accel

Utility Spends

₹0.50 /₹100
Base

Other Spends

₹0.25 /₹100

Reward Calculator

₹
Allocate by Category 100%
Groceries, SuperMarket, Dining, PayZapp
3.0 pts
50% ₹0
Utility Spends
2.0 pts
30% ₹0
Other Spends
1.0 pts
20% ₹0
Your Rewards
Points Earned 0
Cash Value ₹0
Breakdown
Quick amounts:

Insurance Coverage

Lost Card

₹0

Zero liability for lost card transactions when reported within 3 days of loss/theft.

Fraud

₹0

Zero liability for unauthorized transactions when reported immediately to the bank.

Quick Analysis

The HDFC UPI RuPay stands out with its impressive reward structure offering up to ₹3.00 per ₹100. The ₹99 annual fee is justified if you spend enough to maximize rewards. Recommended for those who can align their spending with bonus categories.

Pros

  • Low annual fee of just ₹99
  • Annual fee waiver on spending ₹25000
  • Good reward rate of up to ₹3.00 per ₹100
  • Direct cashback instead of points - no redemption hassle

Cons

  • Reward rates vary significantly across categories
  • No complimentary lounge access
  • High income requirement of ₹180K per month

Best For

UPI users seeking cashback on everyday grocery and dining spends

Frequently Asked Questions

What are the fees for HDFC UPI RuPay Credit Card?
The HDFC UPI RuPay Credit Card has a joining fee of Rs 99 and annual fee of Rs 99. The annual fee can be waived on spending Rs 25,000 in the previous year.
What is the eligibility criteria for HDFC UPI RuPay Credit Card?
To be eligible for the HDFC UPI RuPay Credit Card, you need a minimum monthly income of varies based on profile, age between 21-60 years, and a credit score of 700+. HDFC Bank customers with existing relationships may get preferential treatment.
What rewards does HDFC UPI RuPay Credit Card offer?
The HDFC UPI RuPay Credit Card offers cashback rewards on your spending. The exact cashback percentage varies by category. Check the card benefits section for detailed cashback rates on different spending categories.
Does HDFC UPI RuPay Credit Card offer airport lounge access?
The HDFC UPI RuPay Credit Card may provide limited or no complimentary lounge access. Please check with HDFC Bank for the latest lounge access benefits.
How can I apply for HDFC UPI RuPay Credit Card?
You can apply for the HDFC UPI RuPay Credit Card through HDFC Bank official website, mobile app, or by visiting your nearest HDFC Bank branch. Existing customers can also apply through net banking.

User Reviews

Our Rating

3.5
APPLY NOW

on HDFC Bank's website

Rating Breakdown

Rewards
4.3/5 Top 23%
Benefits
3.2/5
Fees
3.2/5 Top 19%
Value for Money
3.4/5 Top 44%
User Reviews
3.0/5 Top 50%

Important Links

Ready to Apply for HDFC UPI RuPay?

Get started with your application today and enjoy premium benefits, rewards, and exclusive privileges.

Compare Cards

0 of 4 cards selected

No cards selected

Add cards to compare their features, fees, and rewards side by side.

Select at least 2 cards to compare