Card Details
HDFC Bank UPI RuPay Credit Card
Monzy Score
6/ 10
Decent for diners and foodies.
~3.0% back on top spends; high 3.5% forex markup.
Card Issuer
HDFC Bank
Joining Fee
Zero
Annual Fee
Zero
Reward Type
Reward Points
Card Access
Standard
Earn Points
3%
On Groceries & Supermarkets (max ₹125/Mo)
3%
On Dining (max ₹125/Mo)
2%
On Utility Payments (max ₹125/Mo)
1%
On All Other Spends (max ₹125/Mo)
Benefits
3% CashPoints on groceries, dining & PayZapp
- Accelerated rewards on everyday food spends
- 3% CashPoints on groceries, supermarket, dining and PayZapp transactions
- Capped at 500 CashPoints per calendar month in this slab
- Transactions below ₹100 or on excluded categories like fuel, rent, wallets, EMI or government payments do not earn CashPoints
Limited-time lifetime free offer
- No joining or renewal fee right now
- Currently marketed as lifetime free under a limited-time offer
- Standard ₹99 fee can be waived with ₹25,000 annual spend
- Fee may revert to ₹99 + taxes once the offer ends
2% CashPoints on utility bills
₹99 joining and ₹99 annual fee
Reward Calculator
NOTE: Enter your monthly spends to see
projected returns.
Excluded: rent, fuel, wallet, emi
Estimated Returns
Groceries, Supermarket, Dining & PayZapp
3% value as CashPoints; capped 500 CashPoints/month = Rs.125. 1 CashPoint=Rs.0.25
₹125
Utilities
2% value as CashPoints; capped 500 CashPoints/month = Rs.125
₹125
All other spends (incl UPI)
1% value as CashPoints; capped 500 CashPoints/month = Rs.125
₹125
Total Annual Return
₹4,500
1.25% Effective ROIWhat Users Are Saying
Community Feed
Jul 2024
“Is HDFC rupay UPI credit card any good?”
by r/CreditCardsIndia, Jul 2024
“HDFC is offering a Virtual Rupay Credit Card to existing”
by r/IndiaInvestments, Jul 2023
“Should I get the LIFETIME FREE HDFC Bank UPI RuPay”
by r/CreditCardsIndia, Jul 2025
“HDFC UPI Rupay Credit card”
by r/CreditCardsIndia, Jul 2025
“HDFC Digital Rupay Card”
by r/CreditCardsIndia, Nov 2025
Frequently Asked Questions
The HDFC Bank UPI RuPay Credit Card charges ₹99 plus GST as a joining fee and the same ₹99 again at renewal. HDFC Bank waives the renewal fee if you spend ₹25,000 in the previous year, which is about ₹2,083 a month. If your card spend sits below that, treat ₹99 as a real yearly cost that your rewards have to clear first.
Things to Keep in Mind
The 3% CashPoints on Groceries, SuperMarket, Dining & PayZapp transactions is limited at 500 points per calendar month.
The 2% CashPoints on Utility spends is limited at 500 points per calendar month.
The 1% CashPoints on other spends is limited at 500 points per calendar month.
CashPoints are not earned on Fuel, Rent, EMI, Insurance, Government, Education, and Wallet loads.
