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HDFC Bank UPI Rupay Credit Card

HDFC Bank UPI Rupay Credit Card

Shopping
Rewards
Cashback
Fuel
Dine In
4.2
Joining Fee
₹250
Annual Fee
₹99
APR
43.2%
Min. Credit Score
690
The HDFC Bank UPI RuPay Credit Card is a cutting-edge virtual card that merges the convenience of UPI transactions with traditional credit card benefits. For a joining fee of just INR 250, this card offers lucrative cash points on a variety of spending categories, including groceries and dining. Financial flexibility is a key feature, with an interest-free period of up to 50 days and a waived annu...

FEATURES

  • Earn 3% cash points on groceries, supermarkets, dining, and PayZapp transaction expenses. (A cap of 500 points can be accumulated in one calendar month).
  • By spending more than ₹25,000 in a year, you can have the renewal membership fee revoked.
  • Enjoy an interest-free period of up to 50 days with your HDFC Bank UPI RuPay Credit Card from the purchase date.

WELCOME OFFERS

  • N/A

FOREIGN TRANSACTION FEE

3.5% *Applicable Taxes

FRAUD LIABILITY

Lost Card Liability Cover

HDFC Bank UPI Rupay Credit Card Eligibility Criteria
** These criteria are only indicative. The bank reserves the right to approve or decline applications for credit cards.
21-65 Years
Min. and Max. age limit for the applicant
₹20,000
Minimum monthly income
₹6,00,000
ITR (For Non-Salaried Individual)
690
Minimum Credit Score required
Meeting Criteria? Apply Now
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Card Details
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Joining Fee ₹499 ₹1,200 ₹2,500 ₹500
Annual Fee ₹499 ₹1,200 ₹2,500 ₹500
APR 42 47.88 43.2 43.2
Ratings
4.3
3.7
3.9
4.2
Features
  • Accumulate 10 reward points for every Rs 150 expenditure on dining, movies, groceries, and departmental stores.
  • For all other expenses, get 1 reward point on every Rs 150 spent.
  • Starting from the second year, delight in the annual membership fee being waived.
  • Collect 5 points for each INR 100 you spend on online shopping transactions.
  • Receive a welcome voucher of INR 1,000, redeemable at various popular brands, as an initial sign-up bonus.
  • Hit spending milestones of INR 200,000 and INR 500,000 within an anniversary year to earn vouchers valued at INR 1,000 and INR 5,000, respectively.
  • Earn 4 reward points for every INR 150 spent on retail purchases.
  • 12 complimentary access per calendar year within India (both at domestic and international terminals) using the HDFC Bank Regalia Credit Card
  • Experience exceptional dining perks through the Good Food Trail program.
  • Quarterly Rs. 500 Gift Voucher on 50,000 spending.
  • 1% fuel surcharge waived, up to Rs. 500/month.
  • 4 Reward Points on Rs. 150 spent online.
  • Get up to 20% savings off on all your restaurant bill payment
Welcome Offers
  • Get 2000 reward points by spending INR 2,000 or more in just the first 60 days of card issuance.
  • Start your Cookies Credit Card experience with an INR 1,000 welcome voucher. Choose from a range of brands including Croma, Amazon, Myntra, Flipkart, and Shoppers Stop. Note: Complete a transaction within the first 30 days to unlock this benefit.
  • Pay the joining fees and get 2500 reward points credited.
  • Assured Flat 25% Off at 2000+ premium restaurants
  • The card offers you 500 Cash Points as a welcome benefit (applicable only on payment of membership fee).

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