HDFC Bank UPI RuPay Credit Card
HDFC Bank · Checked 2026-10-11
HDFC Bank UPI RuPay Credit Card is a paid card focused on reward points and RuPay UPI payments, charging ₹99 annually before GST.
CardIQ editorial view
Our take
HDFC Bank UPI RuPay Credit Card is a paid card focused on reward points and RuPay UPI payments, charging ₹99 annually before GST.
Who it suits
- People who prioritise reward points.
- People who prioritise RuPay UPI payments.
- People whose normal usage can recover the annual fee through relevant benefits.
Key strengths
- CashPoints on eligible UPI and other card purchases.
Trade-offs to understand
- CashPoints on eligible UPI and other card purchases; issuer caps, exclusions and redemption rules apply.
- The ₹99 annual fee plus GST needs to be justified by benefits you will actually use.
CardIQ verdict
It deserves a place on the shortlist when your normal spending makes cashpoints on eligible upi and other card purchases valuable enough to clear the fee. Factor in this condition: CashPoints on eligible UPI and other card purchases; issuer caps, exclusions and redemption rules apply.
Compare before deciding
- CUB SalarySe Level UP Virtual Credit Card — A lower-fee way to compare similar strengths in reward points and RuPay UPI payments.
- YES BANK RuPay Credit Card — A lower-fee way to compare similar strengths in reward points and RuPay UPI payments.
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Benefits, limits and conditions
- CashPoints on eligible UPI and other card purchases; issuer caps, exclusions and redemption rules apply.
- Renewal fee reversal requires ₹25,000 of qualifying annual spend.
- Benefits and eligibility remain subject to the current HDFC Bank product terms.