HDFC Bank UPI RuPay Credit Card
by HDFC Bank · Data verified 2 days ago
Premium RuPay with UPI linking
How Much Can You Earn?
Calculate your potential rewards with this card
Your Annual Benefits
You save per year!
What's Great
- Seamless UPI payments on RuPay network with Google Pay, PhonePe, Paytm, and PayZapp
- 3% CashPoints on Groceries, Supermarket, Dining, and PayZapp transactions
- 2% CashPoints on Utility bill payments
- 1% CashPoints on all other eligible UPI and retail spends
- Extremely low annual fee of ₹99 + GST waived on spending ₹25,000/year
Things to Consider
- No complimentary domestic or international airport lounge access
- CashPoints capped at 500 per category per calendar month
- Standard foreign currency markup of 3.50% + GST
- Primarily a digital/virtual card companion rather than a standalone travel card
Perfect For
About This Card
Other Charges
Milestone Rewards
Reward Earning by Category
| Category | Reward Rate | Details |
|---|---|---|
| Groceries, Dining & PayZapp BONUS | 3% | 3% CashPoints on Groceries, SuperMarket, Dining & PayZapp transactions (max 500 CashPoints/month) (Cap: 500/mo) |
| Utilities BONUS | 2% | 2% CashPoints on Utility bill payments (max 500 CashPoints/month) (Cap: 500/mo) |
| Other | 1% | 1% CashPoints on all other eligible spends (max 500 CashPoints/month) (Cap: 500/mo) |
Fuel Savings
₹250/mo
Lost Card Cover
₹0
Dining
- •Reward points/cashback earned on dining transactions
- •Dining privileges at select partner restaurants
Shopping
- •1X points on eligible spends
- •Contactless (tap-and-pay) enabled
- •EMI conversion on purchases above Rs.2,500
Travel
- •3.5% + GST forex markup on international transactions
- •1% fuel surcharge waiver (capped at ₹250 per statement cycle)
Reward Exclusions
- ✕ No rewards for transactions below ₹100
- ✕ Fuel transactions (1% fee applies on fuel transactions > ₹15,000, capped at ₹4,999)
- ✕ Rent payments and property management
- ✕ Wallet loads, gift or prepaid card loads, and voucher purchases
- ✕ EMI transactions and SmartBuy spends
- ✕ Insurance, government, and education payments
Special Offers & Features
- •Cash withdrawal charges: 2.5% of amount withdrawn (min ₹500)
- •No fuel surcharge on UPI payments; therefore no waiver needed
EMI Options
- •EMI conversion on purchases above Rs.2,500
- •Tenure options: 3, 6, 9, 12, 18, 24 months
- •Interest rate: 12-24% p.a. depending on tenure
- •No-cost EMI available at select partner merchants via SmartBuy
Card Features
CardSahayak Score
"Apply Now" takes you to HDFC Bank's official website.
Eligibility
Scores
Deals & Offers
Exclusive offers available on HDFC Bank UPI RuPay Credit Card
MakeMyTrip
Travel across India with flat 12% instant discount up to ₹2,000 on MakeMyTrip using your HDFC Bank Credit Card.Book domestic air tickets on all major domestic carriers with coupon HDFCDOM for upfront savings.
Step 2: Choose eligible domestic flights with booking value of ₹5,000 or more.
Step 3: Enter coupon code HDFCDOM on the payment page.
Step 4: Pay using any HDFC Bank Credit Card to get an instant discount up to ₹2,000.
Valid on domestic flight bookings across India. Minimum booking value of ₹5,000 is required. Maximum discount is ₹2,000 per booking. Valid once per cardholder per calendar month. Excludes commercial and corporate cards.
Apple
Get up to ₹10,000 instant cashback on your dream Apple devices including iPhone 16 series, MacBook Air, and iPad with HDFC Bank Credit Cards.Available both online at apple.com/in and across all Apple Authorized Resellers across India.
Step 2: Choose an eligible iPhone 16 series, MacBook Air/Pro, or iPad.
Step 3: At checkout, select HDFC Bank Credit Card Instant Cashback offer.
Step 4: Select Full Swipe or 6/12/24 month No-Cost EMI to trigger up to ₹10,000 instant cashback.
Valid on select Apple models. Applicable on 6, 9, 12, 18, 24 months EMI and full-swipe credit card transactions. Valid once per card during promotional tenure. Instant cashback is credited on the invoice value.
Swiggy
Enjoy flat ₹100 off on every food delivery order above ₹499 on Swiggy using your HDFC Bank Credit Card.Use code HDFCFD100 to enjoy dining savings across thousands of restaurants.
Step 2: Add delicious meals worth ₹499 or more to your cart.
Step 3: Enter promo code HDFCFD100 on the payment screen.
Step 4: Pay with any HDFC Bank Credit Card to get an instant ₹100 deduction.
Valid twice per user per calendar month. Applicable on food delivery orders only. Minimum order value of ₹499 is required.
Cleartrip
Book luxury hotel stays and weekend getaways on Cleartrip with flat 25% instant discount up to ₹3,500 using your HDFC Bank Credit Card.
Step 2: Select eligible domestic hotels and rooms with booking value of ₹4,000+.
Step 3: Enter promo code CTHDFC at checkout.
Step 4: Pay with your HDFC Bank Credit Card to get an instant 25% discount up to ₹3,500.
Valid once per card per month. Applicable on domestic hotel bookings across India. Minimum spend ₹4,000.
Reliance Digital
Shop the latest consumer electronics and smart home appliances at Reliance Digital with flat 7.5% instant discount up to ₹4,000 on your HDFC Bank Credit Card.
Step 2: Select eligible laptops, smartphones, or home appliances worth ₹15,000+.
Step 3: Choose HDFC Bank Credit Card offer at checkout.
Step 4: Instant discount up to ₹4,000 is deducted from the final invoice.
Valid on select electronics. Applicable on full-swipe and EMI transactions. Maximum discount ₹4,000 per card per month.
BookMyShow
Enjoy up to ₹250 off on movie and experience bookings on BookMyShow using your eligible HDFC Bank Credit Card.
Step 2: Proceed to payment page and click 'Unlock Offer or Apply Promocodes'.
Step 3: Select HDFC Bank Credit Card offer and enter card details to get up to ₹250 instant discount.
Valid on minimum booking of 2 tickets. Applicable on select HDFC Bank Credit Cards. Limit once per cardholder per calendar month.
Swiggy Dineout
Save 10% up to ₹500 on restaurant bills via Swiggy Dineout using HDFC Bank Credit Cards (codes: HDFCINFINIA up to ₹500, HDFCDINERS up to ₹400, HDFCCARDS up to ₹200; valid twice per month through 31st December 2026).
Step 2: Enter promo code HDFCCARDS (or HDFCINFINIA for Infinia / HDFCDINERS for Diners Black) at payment checkout.
Step 3: Pay using your eligible HDFC Bank Credit Card to get up to 10% instant discount.
Official HDFC Bank Swiggy Dineout offer (valid 1st Jan 2026 to 31st Dec 2026, twice per month per user): 10% off up to ₹500 on Infinia (code HDFCINFINIA, MOV ₹3,500), 10% off up to ₹400 on Diners Club Black/BizBlack (code HDFCDINERS, MOV ₹3,000), and 10% off up to ₹200 on other eligible HDFC Credit Cards (code HDFCCARDS, MOV ₹2,000).
Croma
Get Flat ₹4,000 instant discount on Apple iPhone 17 Pro & 17 Pro Max at Croma with HDFC Bank Credit Cards & EasyEMI on Debit/Credit Cards (valid 18th September 2026 to 31st December 2026).
Step 2: Ensure cart total is ₹20,000 or more.
Step 3: Pay using any HDFC Bank Credit Card or EasyEMI to receive instant discount.
Get Flat ₹4,000 instant discount on Apple iPhone 17 Pro & 17 Pro Max at Croma stores and Croma.com with HDFC Bank Credit Cards & EasyEMI on HDFC Bank Debit/Credit Cards (valid 18th September 2026 to 31st December 2026; excludes co-branded cards).
Frequently Asked Questions
Everything you need to know about HDFC Bank UPI RuPay Credit Card
- • Min age: 21 years
- • Salaried: ₹600,000/month min
- • Self-employed: ₹800,000/month min
- • CIBIL: 750+ recommended
- • Instant: Pre-approved HDFC Bank customers
- • 24-48 hrs: New customers with documents
- • Delivery: 7-10 working days
Ready to Get Started?
Apply for HDFC Bank UPI RuPay Credit Card today and unlock amazing rewards and premium experiences.
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