Card Benefits
Key benefits available with this card.
3% CashPoints on Groceries, Supermarket & Dining
Earn 3% CashPoints on eligible grocery, supermarket and dining transactions, including eligible RuPay MCC categories. Maximum 500 CashPoints per calendar month.
3% CashPoints on PayZapp
Earn 3% CashPoints on eligible PayZapp transactions. Maximum 500 CashPoints per calendar month.
2% CashPoints on Utility Payments
Earn 2% CashPoints on eligible utility bill payments. Maximum 500 CashPoints per calendar month.
1% CashPoints on Other Spends
Earn 1% CashPoints on other eligible spends. Maximum 500 CashPoints per calendar month.
UPI Payments Enabled
Link the virtual HDFC Bank UPI RuPay Credit Card to supported UPI applications and use it for eligible merchant UPI payments.
Rewards on UPI Transactions
Eligible UPI transactions can earn CashPoints according to the applicable grocery, dining, utility, PayZapp and other-spend reward categories.
Virtual Credit Card
The UPI RuPay Credit Card is issued as a virtual card. No physical card is delivered.
₹250 Welcome Voucher
Get a ₹250 gift voucher after completing the first transaction within 37 days of card issuance, subject to applicable conditions.
Annual Fee Waiver
Renewal fee can be waived by spending ₹25,000 or more during the applicable annual year before renewal.
Up to 50 Days Interest-Free Period
Eligible purchases can receive an interest-free period of up to 50 days depending on the transaction date and billing cycle.
Zero / Waived Fuel Surcharge Benefit
HDFC Bank lists zero fuel surcharge as a credit benefit. Reward CashPoints themselves are not earned on fuel transactions.
SmartBuy Redemption
CashPoints can be redeemed through applicable HDFC Bank SmartBuy redemption options, subject to redemption rules.
24x7 Digital Card Management
Manage eligible card controls and transactions through HDFC Bank digital banking and MyCards services.
Welcome / Free Offer
₹250 gift voucher on completing the first transaction within 37 days of card issuance.
Value up to ₹250
Eligibility: Complete the first transaction within 37 days of card issuance and satisfy applicable joining-fee conditions.
Rewards & Points
How rewards are earned on this card.
| Category | Reward | Details |
|---|---|---|
| Groceries & Supermarket | 3.0000 points / ₹100 | 3% CashPoints on eligible grocery and supermarket transactions. Maximum 500 CashPoints per calendar month. |
| Dining | 3.0000 points / ₹100 | 3% CashPoints on eligible dining transactions. Maximum 500 CashPoints per calendar month. |
| PayZapp | 3.0000 points / ₹100 | 3% CashPoints on eligible PayZapp transactions. Maximum 500 CashPoints per calendar month. |
| Utility Payments | 2.0000 points / ₹100 | 2% CashPoints on eligible utility transactions. Maximum 500 CashPoints per calendar month. |
| Other Eligible Spends | 1.0000 points / ₹100 | 1% CashPoints on other eligible spends. Maximum 500 CashPoints per calendar month. Exclusions apply. |
Reward Redemptions
| Redemption Method | Point Value | Details |
|---|---|---|
| Statement Credit / Cashback | ₹0.25 | 1 CashPoint = ₹0.25. Minimum 2,000 CashPoints required for statement-balance redemption. |
| Rewards Catalogue | ₹0.25 | CashPoints may be redeemed against eligible rewards catalogue items subject to HDFC Bank redemption rules. |
| SmartBuy | ₹0.25 | CashPoints may be redeemed through applicable SmartBuy options subject to HDFC Bank terms. |
Airport Lounge Access
Spend requirement: Not applicable
Fuel Surcharge Waiver
Current Offers & Promotions
₹250 Welcome Voucher
Active₹250
Maximum benefit: 250.00
Complete the first transaction within 37 days of card issuance and satisfy applicable joining-fee conditions.
Lifetime Free Limited-Time Offer
ActiveJoining and Annual Fee Nil
Card is currently offered as lifetime free under a limited-time offer. Offer availability can change and is subject to HDFC Bank terms.
Annual Fee Waiver
Active₹99
Maximum benefit: 99.00
Renewal/annual fee waived after eligible spending of ₹25,000 or more during the applicable annual year.
Eligibility Criteria
21 to 65 yrs
Salaried and Self-employed
₹25,000 / month
₹600,000 / year ITR
750+
Yes - existing HDFC Bank credit-card customer
Additional Eligibility Details
Important Eligibility Information
Age 21–65 years; salaried and self-employed applicants may be considered subject to HDFC Bank eligibility. User-provided income guideline: salaried ₹25,000/month and self-employed ITR above ₹6 lakh/year. HDFC Bank states the UPI RuPay Credit Card is an additional/floater card for existing HDFC credit-card customers and is not available as a standalone fresh credit card.
Income: User guideline: salaried ₹25,000 per month; self-employed ITR above ₹6 lakh per annum. HDFC Bank final eligibility is subject to internal policy.
Employment: Salaried and self-employed, subject to HDFC Bank eligibility and existing HDFC credit-card relationship.
Credit Score: User guideline: 750+. HDFC Bank determines final eligibility and credit limit using its internal assessment.
Documents Needed
Fees & Charges
₹99
Current offer: FREE
₹0 + GST
Standard annual fee: ₹99
Pros
Up to 3% CashPoints on eligible grocery, supermarket, dining and PayZapp transactions; 2% on utility payments; 1% on other eligible spends; rewards applicable on eligible UPI and regular credit-card spends; virtual RuPay card; UPI convenience; limited-time lifetime-free offer; ₹25,000 annual-spend fee waiver; up to 50 days interest-free period.
Cons
500 CashPoints monthly cap per reward category; CashPoint value of ₹0.25 for statement cashback; several categories excluded from rewards; virtual/floater card rather than standalone fresh credit card; existing HDFC credit-card relationship required.