HDFC Bank UPI RuPay Credit Card
HDFC Bank RuPayWelcome Bonus: 250
Lounge Access: Not applicable
Fuel Surcharge: No
| Minimum Income | Existing HDFC credit card holders only |
|---|---|
| Credit Score | 700+ |
| Employment Type | Salaried Self-employed Business Student |
Up to 3% CashPoints on groceries, supermarket, dining, and PayZapp transactions
2% CashPoints on utility bill payments
1% CashPoints on other eligible purchases
UPI integration for credit-based transactions
Up to 50 days interest-free period
Low annual fee with easy waiver condition
Monthly capping of 500 CashPoints per category
No physical card issued
Low redemption value (1 CashPoint = ₹0.25)
No airport lounge access
The HDFC Bank UPI RuPay Credit Card is India’s pioneering virtual credit card designed exclusively for UPI transactions. This add-on card is available only to existing HDFC credit cardholders, making it perfect for those who want to leverage credit facilities for their daily UPI payments. The card offers accelerated CashPoints of up to 3% on specific categories including groceries, dining, and supermarket purchases, with an additional 2% on utility bill payments.
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What sets this card apart is its seamless integration with popular UPI apps like PayZapp, PhonePe, and Google Pay, allowing users to make credit-based UPI payments effortlessly. The minimal annual fee of just ₹99 (easily waived on spending ₹25,000 annually) makes it one of the most affordable options for earning rewards on everyday UPI transactions. The virtual nature eliminates physical card hassles while the 50-day interest-free period provides excellent flexibility for managing finances.