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HDFC Bank UPI RuPay Biz Credit Card
HDFC UPI RuPay Biz is the business-focused sibling of HDFC's personal UPI RuPay card — a near-zero-fee, virtual-only card that lets small business owners earn CashPoints on routine UPI payments to vendors and utility providers rather than needing a traditional swipe transaction. At ₹99 a year, waived on just ₹25,000 of spend, it's a low-risk way to add rewards to everyday business UPI payments.
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 business owners managing company spend who clear the standard eligibility bar whose spend is concentrated in groceries, dining, utilities. 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: self-employed
- Age: 21–60
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹25,000
- Rewards redemption fee: CashPoints redeem as statement credit at no charge
- Cash advance charges: 2.5% of the withdrawn amount or ₹500, whichever is higher; interest accrues from the date of withdrawal with no interest-free period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 card that can be linked to any UPI app, letting small business owners earn CashPoints on routine UPI payments to vendors, suppliers and utility providers
Pros
- + Rewards apply to UPI payments to vendors and utilities, not just traditional card transactions
- + Works with any major UPI app via RuPay linkage
- + 3% CashPoints on groceries, supermarkets, dining and PayZapp, 2% on utilities and 1% on other spends
- + Extremely low ₹99 fee, easily waived on ₹25,000 of annual spend
- + No minimum credit score explicitly required, easing access for newer businesses
Cons
- − Reward caps of ₹125 per month in each category are low for anything beyond routine bill payments
- − Virtual-only card with no physical plastic issued
- − RuPay's international acceptance is limited, a constraint for businesses with overseas suppliers
Best for