HHDFCHDFC Bank UPI RuPayRuPay
HDFC Bank UPI RuPay Credit Card
HDFC Bank · Entry level
3% CashPoints on groceries, supermarket, dining and PayZapp; 2% on utility bills; 1% on other spends.
- Joining fee
- ₹99
- Annual fee
- ₹99
- Waiver spend
- ₹25,000
Fee waiver
Spend ₹25,000 in a card year and the next annual fee is waived.
That is about ₹2,083 a month.
Work out what you still need to spend
Work it out for this card
Compare with other cards
Fee waiver: what is left to spend
Card EMI or personal loan?
Cost of paying only the minimum
How the app counts rewards
- 3 CashPoints per ₹100 on PayZapp (up to 500 a month)
- 3 CashPoints per ₹100 on groceries, supermarkets and dining (up to 500 a month)
- 2 CashPoints per ₹100 on utility bills (up to 500 a month)
- 1 CashPoint per ₹100 on other spends (up to 500 a month)
No rewards on education, fuel, insurance, rent, wallet loads.
Points
CashPoints, worth about ₹0.25 each on the usual redemption. Expire after 2 years.
Checked against the bank's terms. Banks change terms often, so check the latest terms before applying.
Taken from the bank's page. Rules data version 2026.10.04.
More from HDFC
Spot a mistake on this page? Tell us