HDFC Bank
Classic · UPI RuPay
HDFC Bank UPI RuPay Credit Card
HDFC Bank
UPI-linked credit card with rewards on everyday spends
Annual Fee
₹99
Joining Fee
₹99
Reward Rate
1.0%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹2,883
Total Annual Benefits
₹3,000
Total Annual Charges
₹117
ROI
2464%
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Benefit breakdown data not available
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Cashback Benefits (2)
Groceries & Dining Cashback
3% cashback on groceries and dining spends via UPI or card
- • Valid on groceries and dining MCCs
3% cashback
All Other Spends
1% cashback on all other retail purchases via UPI or card
1% cashback
Utility Payments (1)
Utility Payments Cashback
2% cashback on utility payments including electricity, water, gas, and mobile recharges
- • Valid on utility category transactions
2% cashback
Reward Program
Program
HDFC UPI RuPay Cashback
3% groceries/dining, 2% utility, 1% other
Effective cashback: 1.00%
Points expire: Cashback credited as statement credit
Redemption Options
- → Statement credit (automatic)
Bonus Categories
Groceries & Dining
3x multiplier
3% cashback on groceries and dining
Utility
2x multiplier
2% cashback on utility payments
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹99 Excluding GST |
| Annual Fee | ₹99 Excluding GST |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.75%
- Late Payment Fee
- ₹1,300
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹250
- Other Bank Withdrawal
- ₹250
- Intl. Withdrawal Fee
- 2.5% + ₹250
Eligibility
Requirements
- Min. Monthly Income
- ₹15,000
- Min. Annual Income
- ₹1,80,000
- Min. Credit Score
- 650
- Age Range
- 21 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Gross Monthly Income > ₹15,000
- • Self-Employed: ITR > ₹1.8 Lakh p.a.
- • Existing HDFC Bank account preferred
Transaction Limits
ATM Withdrawal / Day
₹20,000
POS & E-Commerce / Day
₹1,00,000
Contactless / Txn
₹5,000
Features
RuPay UPI linked credit card Contactless payments EMV chip security Add-on cards available EMI conversion facility Instant UPI credit activation Lowest annual fee credit card
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12 months
Processing Fee
1%
Ready to Apply?
The HDFC Bank UPI RuPay Credit Card is an affordable UPI-linked credit card offering 3% cashback on groceries and dining, 2% on utility payments, and ...
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