HDFC Bank UPI RuPay Credit Card
A dedicated RuPay card for UPI payments with decent rewards on groceries.
- Issuer
- HDFC Bank
- Card type
- UPI Card
- Category
- Shopping
- Joining fee
- ₹99 + GST
- Annual fee
- ₹99 + GST
- Rewards currency
- CashPoints
Highlights
- Link with UPI Apps
- 3% Cashpoints on Groceries/Supermarket/Dining
- 2% Cashpoints on Utility
- Value of 1 Cashpoint is ₹0.25
Welcome, annual & renewal benefits
- Joining/Annual Fee: ₹99 + GST.
- Annual Fee Waiver on spends of ₹25,000.
Reward earning
| Spend type | Earn rate | Earn Value |
|---|---|---|
| Groceries, Supermarket, Dining | 3% Cashpoints | ₹0.75% |
| Utility Bills | 2% Cashpoints | ₹0.50% |
| Other Spends | 1% Cashpoints | ₹0.25% |
- Exclusions are Rent, Wallet, Gift Vouchers, EMI, Fuel & Govt. Services
- Rewards Redemption Fee is ₹99 + GST
Review
Good Entry level UPI card. If your UPI spends are not high enough you can get this to earn basic rewards. Low Annual fee and waiver is also easy.