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Independent card analysis

HDFC Bank UPI RuPay Credit Card

HDFC Bank · RuPay · Entry card

A low-fee RuPay add-on for existing HDFC Bank credit-card customers who want to make eligible merchant UPI payments.

Best suited to

Existing HDFC Bank credit-card customers who want a low-fee RuPay floater card for merchant UPI payments.

Authored and reviewed by GainFair
Terms checked 21 Sept 2026
Annual fee
₹99 + GST
Joining fee
₹99 + GST
Base reward rate
0.3%
Forex markup
3.5%

Reward rates by spending category

Published catalogue rates before caps and merchant-category exclusions.

CategoryRecorded rate
Groceries & essentials
0.8%
Dining & delivery
0.8%
Bills & utilities
0.5%
Online shopping
0.3%
Travel & hotels
0.3%
Subscriptions & streaming
0.3%
Beauty & wellness
0.3%
Entertainment & movies
0.3%
Offline store shopping
0.3%
International spending
0.3%
Healthcare & pharmacy
0.3%
Other miscellaneous
0.3%
Fuel & commute
0%
House rent
0%
Insurance premiums
0%
Education & family
0%

Caps and fee waiver

Reward caps
Three-CashPoint rewards: ₹125/month · Two-CashPoint utility rewards: ₹125/month · One-CashPoint base rewards: ₹125/month
Annual fee waiver
At ₹25,000 annual spending
Monthly income requirement
Not listed

Airport lounge access

No complimentary airport lounge access recorded

Benefit details

Benefits & conditions

Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.

Rewards and cashback · 6 items

  • Eligible PayZapp CashPoints

    Usage-based value

    Three CashPoints per ₹100 requires an eligible PayZapp transaction and is worth 0.75% at ₹0.25 per point.

    Conditions: Three CashPoints per ₹100 requires an eligible PayZapp transaction and is worth 0.75% at ₹0.25 per point.

    Status: verifiedReviewed: 2026-09-14Official source ↗

  • Eligible grocery and dining CashPoints

    Usage-based value

    Three CashPoints per ₹100 on eligible grocery, supermarket and dining MCCs are worth 0.75% at ₹0.25 per point.

    Status: verifiedReviewed: 2026-09-14Official source ↗

  • Eligible utility CashPoints

    Usage-based value

    Two CashPoints per ₹100 on eligible utility transactions are worth 0.5% at ₹0.25 per point.

    Status: verifiedReviewed: 2026-09-14Official source ↗

  • Eligible base CashPoints

    Usage-based value

    One CashPoint per ₹100 on other eligible transactions is worth 0.25% at ₹0.25 per point.

    Status: verifiedReviewed: 2026-09-14Official source ↗

  • 3 CashPoints per ₹100 on eligible grocery, supermarket, dining and PayZapp spending, worth 0.75% as statement credit

    Shown without a cash value
    Status: verifiedReviewed: 2026-09-21Official source ↗

  • 2 CashPoints per ₹100 on eligible utility spending, worth 0.5% as statement credit

    Shown without a cash value
    Status: verifiedReviewed: 2026-09-21Official source ↗
Fees · 2 items

  • Annual card fee

    Cost ₹99

    ₹99 annual fee before applicable tax.

    Status: verifiedReviewed: 2026-09-21Official source ↗

  • Joining fee

    Cost ₹99

    ₹99 one-time joining fee before applicable tax.

    Status: verifiedReviewed: 2026-09-21Official source ↗
Fee waiver · 2 items

  • Annual fee waiver

    Usage-based · up to ₹99

    Annual fee may be waived after ₹25,000 of eligible annual spending.

    Conditions: Reach ₹25,000 eligible annual spending

    Status: verifiedReviewed: 2026-09-21Official source ↗

  • ₹99 joining and renewal fee plus tax; renewal fee waived after ₹25,000 of eligible annual spend

    Shown without a cash value
    Status: verifiedReviewed: 2026-09-21Official source ↗
Foreign-currency charges · 1 item

  • Foreign-currency markup

    Usage-based value

    3.5% foreign-currency markup before applicable tax.

    Conditions: Applies to eligible foreign-currency transactions

    Status: verifiedReviewed: 2026-09-21Official source ↗
Eligibility and availability · 1 item

  • Restricted application availability

    Shown without a cash value

    Application availability: existing cardholder upgrade. No universal verified numeric income threshold is used as a hard filter. The card is issued only as an additional floater card to an eligible HDFC Bank primary credit-card holder.

    Conditions: Issuer relationship required

    Status: verifiedReviewed: 2026-09-14Official source ↗
Other benefits · 1 item

  • Issued only as an additional floater card for an eligible HDFC Bank primary credit-card holder

    Shown without a cash value
    Status: verifiedReviewed: 2026-09-21Official source ↗
Other categories (12)

These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.

What stands out

  • ✓ 3 CashPoints per ₹100 on eligible grocery, supermarket, dining and PayZapp spending, worth 0.75% as statement credit
  • ✓ 2 CashPoints per ₹100 on eligible utility spending, worth 0.5% as statement credit
  • ✓ ₹99 joining and renewal fee plus tax; renewal fee waived after ₹25,000 of eligible annual spend
  • ✓ Issued only as an additional floater card for an eligible HDFC Bank primary credit-card holder

What to watch

The advertised 3%, 2% and 1% figures are CashPoint earn rates, not cashback percentages; one CashPoint is worth ₹0.25 for statement credit.

Recorded exclusions

Fuel Commute · Insurance · Education Family · Rent · Wallet load · Government payments · Emi · Cash withdrawal

How GainFair evaluates this card

The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.

Ask the advisorApply ↗Read the methodology

Affiliate disclosure: Affiliate link · GainFair may earn a commission if you complete a qualifying action. You pay nothing extra, and compensation never affects recommendations or rankings. Read the full disclosure.

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Issuer sources

Open the sources used for this card's product details, rewards, fees and eligibility.

Product, Eligibility ↗Rewards ↗Fees ↗

Sources checked 21 Sept 2026 · Latest recorded change effective 27 Mar 2025