HDFC Bank UPI RuPay Credit Card: Full Review

To give its users the convenience of UPI and rewards of credit cards HDFC Bank has come up with its new HDFC Bank UPI RuPay Credit Card. This is a fully virtual credit card, no physical card will be sent to you. This credit card will be auto-registered on the HDFC MyCards portal.

Key Features of HDFC Bank UPI RuPay Credit Card

Joining FeeRs. 99
Annual FeeRs. 99
Best UseRewards, Cashback, Milestone benefits, Fuel, Airport Lounge access
Best FeatureRewards, Cashback
Rewards3% CashPoints on Groceries, SuperMarket, Dining & all PayZapp transactions

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HDFC Bank UPI RuPay Credit Card Benefits

CashPoint Rewards

  • 3% CashPoints on Groceries, SuperMarket, Dining & all PayZapp transactions
  • 2% CashPoints on Utility spends
  • 1% CashPoints on other spends*

1 Cash point = 0.25 Paisa

Note: Fuel, Rent Payments, EMI Spends, Govt Related Transactions, and Wallet/ Gift /Prepaid Card loads & Voucher Purchase transactions won’t count towards the cashback milestones.

So, start shopping and watch your cashback stack up!

Monthly Limit on CashPoint Rewards

  • Limit on CashPoints on Groceries, Supermarket, Dining & all PayZapp transactions = 500 Points
  • Limit on CashPoints on Utility spends = 500 Points
  • Limit on CashPoints on Other spends = 500 Points
hdfc bank upi rupay credit card benefits, hdfc rupay credit card lifetime free

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HDFC Bank UPI RuPay Credit Card: Lounge access list

Complimentary lounge access is not available with HDFC Bank UPI RuPay Credit Card.

HDFC Bank UPI RuPay Credit Card Fee and Charges

Joining Fee99
Annual Fee99 (Waived on spending more than 25,000 in a year)
Annual Percentage Rate (APR)43.20%
Add-on Card FeeFree
Cash Withdrawal Fee2.50% or Rs. 500 whichever is higher
Card Replacement Fee₹ 100
Foreign Transaction Fee3.49%
Over Limit Penalty2.50%
Reward Point Redemtipn₹ 99
Reward Point Value₹ 0.25

Late payment charges

Outstanding BalanceLate Payment Charge
Below ₹ 100Nil
₹100 to ₹500₹ 100
₹500 to ₹5000₹ 500
₹5000 to ₹10000₹ 600
₹10000 to ₹20000₹ 800
₹20000 to ₹50000₹ 1100
Above ₹50000₹ 1300

How to Apply for an HDFC Bank RuPay Credit Card on UPI?

Here’s a quick guide to applying for an HDFC Bank RuPay Credit Card on UPI:

  • Visit the official HDFC Bank website 
  • Click the “Check Eligibility” button to confirm your suitability for the card.
  • Fill in all required personal details accurately.
  • Upload the necessary supporting documents as prompted.
  • Finalize your application submission.
  • Use the provided tracking ID to monitor the application status through the “Track Application” feature

How to  Link HDFC Bank RuPay UPI Credit Card in UPI Apps?

Here’s a simple guide to linking your HDFC Bank UPI RuPay Credit Card to your UPI app:

1. Make a Credit Card PIN:

  • Start this step by contacting 1860 266 0333.

2. Download or Access Your UPI App:

  • Choose from a range of supported apps, including PayZapp, GPay, PhonePe, Mobikwik, PayTM, BHIM, or Slice.
  • If you’re a new user, complete the registration process.
  • Existing users can simply open their preferred UPI app.

3. Register Your Credit Card:

  • Within the UPI app, locate the option to add a credit card.
  • Select HDFC Bank as your issuing bank.
  • Enter your credit card PIN to securely link the card.

4. Start Making UPI Payments:

  • Once linked, you’re ready to seamlessly make UPI transactions using your credit card.
  • Enjoy the benefits and convenience of credit card payments within the familiar UPI environment.


In conclusion, the UPI RuPay credit card offers a straightforward option for users accustomed to UPI payments. Linking the card to UPI apps enables secure, familiar transactions while earning rewards on everyday spending. Groceries, dining, and utilities all offer cashback through Cashpoints, with additional benefits like renewal fee waivers upon meeting annual spending requirements. While not flashy, the UPI RuPay credit card provides a practical and potentially rewarding choice for UPI enthusiasts seeking credit card convenience.

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