HDFC UPI RuPay
by HDFC Bank · Data verified 5 days ago
RuPay UPI credit card with cashpoints on daily spends.
How Much Can You Earn?
Calculate your potential rewards with this card
Your Annual Benefits
You save per year!
What's Great
- Dedicated virtual credit card designed for seamless UPI QR code payments via Google Pay, PhonePe, Paytm
- 3% CashPoints on Groceries, Supermarkets, Dining, and PayZapp
- 2% CashPoints on Utility bill payments
- Extremely affordable ₹99 annual fee, waivable on modest ₹25,000 annual spend
- Interest-free credit period up to 50 days on UPI merchant transactions
Things to Consider
- Monthly reward caps of 500 CashPoints per category slab (max 1,500 CashPoints/month)
- No airport lounge access, milestone vouchers, or lifestyle privileges
- Fuel surcharge waiver is not applicable on this card
- Reward exclusions apply on rent, wallet loads, fuel, and government transactions
Perfect For
About This Card
Other Charges
Milestone Rewards
Reward Earning by Category
| Category | Reward Rate | Details |
|---|
Lost Card Cover
₹0
Dining
- •Earn 3% CashPoints on Dining and PayZapp transactions (shared 500 CashPoints monthly cap)
Shopping
- •Earn 3% CashPoints on Groceries, Supermarket spends, and PayZapp transactions (up to 500 CashPoints per calendar month)
- •Earn 2% CashPoints on Utility bill payments (up to 500 CashPoints per calendar month)
- •Earn 1% CashPoints on all other eligible retail and UPI spends (up to 500 CashPoints per calendar month)
- •Digital virtual card instantly linkable to Google Pay, PhonePe, Paytm, PayZapp, and BHIM UPI
Travel
- •Virtual card enabled for domestic online and UPI transactions across India
Special Offers & Features
- •Seamless UPI linkage for scan-and-pay transactions at merchant QR codes
- •Earn CashPoints on everyday small UPI payments where credit cards are typically not accepted
- •Convert eligible transactions of ₹2,500+ into easy SmartEMI installments
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 UPI RuPay
HDFC UPI RuPay: Earn 3X Reward Points on All UPI QR Payments
HDFC UPI RuPay cardholders earn 3X reward points on all UPI QR code payments made via Google Pay, PhonePe, or Paytm. Maximum 1,500 bonus reward points per month. Valid on all merchant QR payments.
Make QR code payments at any merchant using your credit card UPI ID.
Earn 3X reward points automatically on every QR payment.
Bonus points credited within 90 days.
Permanent card feature. Maximum 1,500 bonus reward points per card per month. Valid only on UPI QR code payments. Not valid on UPI bill payments or P2P transfers. Points credited within 90 days of transaction.
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: Select HDFC Bank Credit Card as payment mode to claim instant 15% discount up to ₹500.
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 UPI RuPay
- • Min age: 21 years
- • Salaried: ₹12,000/month min
- • Self-employed: ₹25,000/month min
- • CIBIL: 680+ 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 UPI RuPay today and unlock amazing rewards and premium experiences.
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