HDFC Bank
HDFC Bank UPI RuPay Credit Card
Best for UPI transactions, domestic spending
₹300/yr annual fee
By FinWiz24 Research Desk · Last reviewed · How we review
FinWiz24 Research Desk
Verified independently against issuer Terms & Conditions
Editorial Team
Annual fee
₹300/yr
Reward rate
Not published
Min. income
₹1,00,000
Forex markup
Not published
Lounge access
None
Eligibility
₹1 lakh/yr · CIBIL 600+
Reward cap
₹300/month
Welcome benefit
Accelerated cashback on UPI transactions
Who is this for
- UPI user
- Budget-conscious spender
What we like
- 2% cashback on UPI transactions
- Very low annual fee
Watch out for
- Rs 300 late-payment fee
Issuer
Headquarters
Mumbai, Maharashtra
Established 1994
Website
www.hdfcbank.comFees and charges
| Fee | Amount | Waiver |
|---|---|---|
| Joining fee | ₹300 | Not waivable |
| Annual fee | ₹300 | Waived on Rs 1 lakh annual spend |
| Late payment | ₹300 | Not waivable |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| UPI | 2.00 | ₹300/month | 1.00 |
| All spends | 0.50 | No cap | 1.00 |
Benefits
-
UPI benefits Highlight
Accelerated cashback on UPI transactions
-
Fuel surcharge waiver
1% waiver on fuel transactions Rs 500-3,000
Eligibility
- Age
- 18–70 years
- Min. income
- ₹1,00,000
- Min. credit score
- 600+
- Score note
- Stable income
- Employment
- Salaried, self-employed
- Documents
- PAN, Aadhaar, salary slips / ITR
HDFC Bank UPI RuPay Credit Card is a RuPay credit card from HDFC Bank. It is best suited for UPI transactions, domestic spending.
Fees and rewards
- Annual fee: Rs 300
- Joining fee: Rs 300
- Rewards: 2% cashback on UPI transactions; 0.5% on all other spends
Eligibility
PAN, Aadhaar, salary slips / ITR
Card data compiled from issuer published fee schedules. Status: active.
Apply for HDFC Bank UPI RuPay Credit Card
Last reviewed · How we review
FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.
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Frequently asked questions
Is the HDFC Bank UPI RuPay Credit Card worth it?
What is the annual fee for the HDFC Bank UPI RuPay Credit Card?
How does the HDFC Bank UPI RuPay Credit Card reward rate work?
What are the eligibility requirements for the HDFC Bank UPI RuPay Credit Card?
Does the HDFC Bank UPI RuPay Credit Card offer airport lounge access?
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Disclaimer: Card details are based on publicly available issuer schedule of charges. Eligibility and approval are at the issuer’s sole discretion. FinWiz24 does not guarantee card approval or specific terms. Always read the issuer’s terms and conditions before applying.
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