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HDFC Bank
HDFC UPI RuPay
RuPay
HDFC UPI RuPay
A near-zero-fee virtual RuPay card built to earn CashPoints on everyday UPI payments — 3% on groceries/dining and 2% on utilities, capped at modest monthly limits, with no physical card issued.
Rates and fees last verified 14 September 2026.
Annual fee
₹99
Joining fee
₹99
Reward type
cashback
Base reward rate
1%
Card network
RuPay
Card tier
Entry
Reward rates by category
- Groceries3% (capped ₹125/monthly)
- Dining3% (capped ₹125/monthly)
- Utilities2% (capped ₹125/monthly)
Eligibility
- Employment: salaried, self-employed
- Age: 21–60
Benefits
- ₹250 gift voucher on first transaction within 37 days of card issuance
- Virtual RuPay card linkable to any UPI app (GPay, PhonePe, Paytm, PayZapp) for CashPoints on UPI payments
Pros
- + Very low annual fee
- + Works with any UPI app via RuPay linkage
- + Decent rates on groceries and dining
Cons
- − CashPoints capped at ₹125/category/month
- − Virtual-only card with no plastic issued
Applying takes you to HDFC Bank's site. We may earn a commission if you're approved — see our disclaimer. Final terms and approval are solely at the issuer's discretion.