HDFC Bank UPI RuPay Credit Card

Name: HDFC Bank UPI RuPay Credit Card
Brand: HDFC
Price: 99 INR
Availability: InStock
Rating: 3.8 (1 reviews)

3.8

WalletWalk Rating

Best for cashback on UPI & utility payments

Last updated: 08-Sept-2025

Overview

HDFC UPI RuPay credit card only comes as a virtual card, which you can link to your UPI ID and then use to make UPI payments in addition to regular transactions from which you can earn cashback.

Pros

↑Earn up to 3% CP on groceries, dining, and PayZapp spends
↑Redeem RP for up to 70% of product/voucher value, pay the rest with your card.

Cons

↓CP earned are valid only for 2 years from the date of the transaction.
↓CP to be earned are capped per month.

Key Highlights

Reward Rate
Earn 1- 3% CP on spends. (1 CP = ₹0.25)
3% CP on groceries, dining, and PayZapp.
2% CP on Utility spends
1% CP on other spends (excl. rent, wallets, EMIs, fuel, insurance, govt.)

Joining Fee
₹99 + Applicable Taxes (festive offer)

Annual Fee
₹250 + GST
Waived on annual spending of ₹25,000

Key Benefits

Cashback

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Get up to 3% CP on Groceries, SuperMarket, Dining spends & PayZapp transactions, 2% on Utilities and 1% on other spends.

Dining

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Get up to 3% CP on Dining spends

Grocery

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Get up to 3% CP on Groceries

Lifestyle

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CP can also be used for redemption upto 50% of booking value against travel benefits like Hotel bookings

Reward Points

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Earn upto 500 points a month.

Shopping

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Get up to 3% CP on PayZapp transactions

Travel

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CP can also be used for redemption upto 50% of booking value against travel benefits like Flight bookings

Liability Protection

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There will be zero liability for transactions made after the loss is reported.

Balance Transfer

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1% of BT amount / ₹250 (whichever is higher).

Detailed Information

Joining Fee	₹99 + Applicable Taxes (festive offer)
Annual Fee	₹250 + GST
Annual Fee Waiver	Waived on annual spending of ₹25,000
Monthly Percentage Rate	3.75%
Annual Percentage Rate	45.00%
Minimum Monthly Payment	5% of the outstanding balance due
Foreign Currency Markup	3.5% of the total transacted amount
Late Payment Charges	₹100 - ₹1,300 (Based on outstanding amount due)
Overlimit Charges	2.5% of overlimit amount (Minimum: ₹550)
Cash Advance Fee	2.5% of the withdrawn amount (Minimum: ₹500)
Balance Transfer Fee	Up to 1% of the transfer amount (Minimum: ₹250)
Fee For Supplementary Card	Free
Card Replacement Fee	₹100
Fee For Duplicate Statement	₹100
Fee For Cheque Bounce	₹550 + service tax

Identity Proof	PAN card, Aadhaar card, Passport, Driving license, Voter ID, Job card issued by National Rural Employment Guarantee Act (NREGA) signed by a state government official
Address Proof	Aadhar card, Passport, Driving License, Voter ID, Latest Utility Bills (Electricity/Phone/water/Gas), Rent agreement, Latest Flat maintenance bill (max 2 months), Latest 3 months of bank statement or passbooks
Income Proof Salaried	Attested copy of the payslips (3 months)/Form-16 and copy of the visiting card or Office Id card
Income Proof Self Employed	Attested copy of the latest ITR (Income Tax Return) and copy of the Pan card along with Computation of Income

HDFC Bank UPI RuPay Credit Card