Question 1

What is the annual fee on the HDFC Bank UPI RuPay Credit Card and how do you get it waived?

Accepted Answer

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.

Question 2

How much cashback does the HDFC Bank UPI RuPay Credit Card give?

Accepted Answer

You get 3% back on Groceries and similar spends, capped at ₹125 a month. Other eligible spends earn 1%. On ₹10,000 of spend in the top category that is ₹125 back, so about ₹1,500 a year if you hit it every month. Fuel, Rent Payments, EMI, Insurance Payments earn nothing at all.

Question 3

Which spends do not earn rewards on the HDFC Bank UPI RuPay Credit Card?

Accepted Answer

Fuel, Rent Payments, EMI, Insurance Payments, Government, Education earn nothing on this card. A rewards redemption fee of ₹99 is applicable per redemption request. Between them these cover a large part of a normal month, so work out your reward rate on eligible spend only, not on your total bill.

Question 4

What changed on the HDFC Bank UPI RuPay Credit Card recently and is it still worth it in 2026?

Accepted Answer

Other: Basic UPI card; HDFC reward tightening applies; no card-specific cut. At ₹25,000 of yearly spend the card returns roughly ₹250 at its general rate of about 1%, against a ₹99 renewal fee. Keep it if you clear the ₹25,000 waiver spend and your spending really sits in the accelerated category. Drop it at renewal if you do not.

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