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HDFC Bank
HDFC Bank UPI RuPay Biz Credit Card
RuPay
HDFC Bank UPI RuPay Biz Credit Card
The business-focused sibling of HDFC's personal UPI RuPay card — a near-zero-fee virtual card letting small business owners earn CashPoints on routine UPI payments to vendors and utilities.
Rates and fees last verified 15 July 2026.
Annual fee
₹99
Joining fee
₹99
Reward type
cashback
Base reward rate
1%
Card network
RuPay
Card tier
Entry
Benefits by category
- 🧾 Utilities
3% reward rate (capped ₹125/monthly)
Eligibility
- Employment: 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 for CashPoints on business payments to vendors and utilities
Pros
- + Near-zero fee
- + Works with any UPI app
- + Easy eligibility bar
Cons
- − Low reward caps
- − No physical card issued
- − RuPay acceptance abroad is limited