Credit card

HDFC Bank UPI RuPay Credit Card

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Apply for HDFC Bank UPI RuPay Credit Card

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Card review

HDFC Bank UPI RuPay Credit Card

3.9 7.8/10 DebitCue Score Verified Jun 20, 2026

India's lowest-fee virtual credit card for UPI everyday payments

Fee: ₹250 INR/yr (≈ $3); Waived on ₹25,000 annual spend
Purchase APR: Not published
Interest-free: 50 days
Foreign fee: 3.5%

Rewards

3% CashPoints on groceries, supermarket, dining, and PayZapp; 2% on utilities; 1% on other spends; max 500 CashPoints/month; 1 CashPoint = ₹0.25

Welcome offer

₹250 gift voucher on card activation within 37 days

Our verdict

What stands out, and where it falls short.

What we like

3% CashPoints on groceries, supermarket, dining, and PayZapp; 2%…
Welcome bonus
50-day interest-free period

Worth weighing

₹250 INR/yr (≈ $3) card fee
3.5% foreign transaction fee

Who It Is For

Whether the HDFC Bank UPI RuPay Credit Card fits how you actually spend.

Pick it if you are

People who want rewards on their spending

Skip it if you are

Light spenders who won't beat the ₹250 INR/yr (≈ $3) fee
Frequent international travelers

Rates and fees

As of June 20, 2026

All amounts shown in INR.

Card fee: ₹250 INR/yr (≈ $3)
Purchase APR: Not published
Interest-free period: 50 days
Foreign transaction fee: 3.5%

Rewards and features

Rewards: 3% CashPoints on groceries, supermarket, dining, and PayZapp; 2% on utilities; 1% on other spends; max 500 CashPoints/month; 1 CashPoint = ₹0.25
Welcome offer: ₹250 gift voucher on card activation within 37 days
Pay with: Virtual card
Card Format: Virtual only — no physical card issued
UPI Payments: Link to any UPI app to pay at QR codes; earns CashPoints on UPI spends
CashPoints Cap: Maximum 500 CashPoints per calendar month across all categories

Eligibility

What you need before you apply.

Minimum Income (Salaried): ₹25,000/month

HDFC Bank UPI RuPay Credit Card: your questions answered

How much does the HDFC Bank UPI RuPay Credit Card cost?

The HDFC Bank UPI RuPay Credit Card costs ₹250 INR/yr (≈ $3). Waived on ₹25,000 annual spend.

What rewards does the HDFC Bank UPI RuPay Credit Card earn?

The HDFC Bank UPI RuPay Credit Card earns 3% CashPoints on groceries, supermarket, dining, and PayZapp; 2% on utilities; 1% on other spends; max 500 CashPoints/month; 1 CashPoint = ₹0.25.

Does the HDFC Bank UPI RuPay Credit Card charge foreign transaction fees?

Yes - the HDFC Bank UPI RuPay Credit Card charges a 3.5% foreign transaction fee.

Is there an interest-free period on the HDFC Bank UPI RuPay Credit Card?

Yes - up to 50 days interest-free when you pay your balance in full by the due date.

Does the HDFC Bank UPI RuPay Credit Card have a welcome offer?

Yes - ₹250 gift voucher on card activation within 37 days.

Is the HDFC Bank UPI RuPay Credit Card a credit, debit or prepaid card?

The HDFC Bank UPI RuPay Credit Card is a credit card issued by HDFC Bank on the Visa network.

Does the HDFC Bank UPI RuPay Credit Card support Apple Pay and Google Pay?

The HDFC Bank UPI RuPay Credit Card does not list Apple Pay or Google Pay support.

Where can I get the HDFC Bank UPI RuPay Credit Card?

The HDFC Bank UPI RuPay Credit Card is currently offered in India, Indonesia, Japan, Malaysia, Philippines, Singapore, South Korea, Taiwan and 2 more.

How does DebitCue rate the HDFC Bank UPI RuPay Credit Card?

DebitCue rates the HDFC Bank UPI RuPay Credit Card 3.9 out of 5 (7.8/10), scored on the same factors as every card - fees, rewards, perks and ease of use.

How do I apply for the HDFC Bank UPI RuPay Credit Card?

Use the Apply now button to continue on HDFC Bank's secure site. Comparing and applying through DebitCue is free.