All cards / HDFC Bank
HDFC UPI RuPay
HDFC UPI RuPay is a near-zero-fee, virtual-only card built specifically to bring credit-card rewards to everyday UPI payments — 3% on groceries and dining and 2% on utilities, all earned whether you pay by scanning a QR code or entering card details online. With just a ₹99 fee waived on ₹25,000 of annual spend, it's one of the cheapest ways to start earning rewards on routine UPI spending.
Annual fee
₹99
Joining fee
₹99
Reward type
cashback
Base reward rate
1%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to applicants who clear the standard eligibility bar whose spend is concentrated in groceries, dining. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 1% base rate
Benefits by category
- 🍽️ Dining & food delivery
3% reward rate (capped ₹125/monthly)
- 🛒 Groceries
3% reward rate (capped ₹125/monthly)
- 🧾 Utilities
2% reward rate (capped ₹125/monthly)
Eligibility
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹25,000
- Rewards redemption fee: CashPoints redeem automatically as statement credit at no charge
- Fuel surcharge waiver: 1% fuel surcharge waived on transactions between ₹400 and ₹1,00,000, capped at ₹250 per statement cycle
- Cash advance charges: 2.5% of the withdrawn amount or ₹500, whichever is higher; interest accrues from the date of withdrawal with no interest-free period
Benefits
- ₹250 gift voucher credited on completing the first transaction within 37 days of card issuance
- A virtual RuPay credit card that can be linked to any UPI app — Google Pay, PhonePe, Paytm, or HDFC's own PayZapp — to earn CashPoints directly on UPI scan-and-pay transactions, not just card swipes
Pros
- + Rewards apply directly to UPI scan-and-pay transactions, not just traditional card swipes
- + Works with any major UPI app via RuPay linkage — no need to use a specific bank app
- + 3% effective reward rate on groceries and dining, 2% on utilities
- + Extremely low ₹99 fee, waived on a modest ₹25,000 of annual spend
- + ₹250 welcome voucher on the first transaction adds early value
Cons
- − CashPoints are capped at roughly ₹125 per bonus category per month, limiting value for bigger spenders
- − Virtual-only card with no physical plastic issued, which some merchants and use cases still require
- − No lounge access, insurance or travel benefits — this is a rewards-only, UPI-focused product