UPI credit card
HDFC UPI RuPay Credit Card
A low-cost virtual RuPay card made for UPI. It earns small CashPoints on groceries, dining, PayZapp and bills, and lets you pay any UPI QR on credit.
Joining fee₹99 + GST
Annual fee₹99 + GST
Fee waiverOn ₹25,000 spend a year (from year 2)
Top reward3% CashPoints on groceries and dining
LoungeNone
Forex markup3.5%
Best for: People who want to pay by UPI on credit and build a credit history at almost no cost.
Rewards and cashback
| Where you spend | You earn | Limit |
|---|---|---|
| Groceries, supermarkets, dining and PayZapp | 3% as CashPoints (about 0.75%) | 500 CashPoints a month |
| Utility bills | 2% as CashPoints (about 0.5%) | 500 CashPoints a month |
| Other spends, including UPI | 1% as CashPoints (about 0.25%) | 500 CashPoints a month |
| Fuel, rent, insurance, education, government, wallet loads, EMI | Nothing | – |
- 1 CashPoint = ₹0.25 on this card.
- It is a virtual card only; there is no plastic card.
Benefits
Welcome benefit
- No welcome benefit listed.
Milestones
- Renewal fee waived on ₹25,000 yearly spend.
Travel and lounges
- No lounge access.
Fuel and forex
- 1% fuel surcharge waiver on ₹400 to ₹5,000, up to ₹250 a cycle (not on UPI fuel payments).
- Forex markup 3.5%.
Other perks
- Works on any UPI app
Fees and charges
| Joining fee | ₹99 + GST (₹117) |
|---|---|
| Annual fee | ₹99 + GST, waived on ₹25,000 yearly spend |
| Interest | 3.75% a month |
| Forex markup | 3.5% |
GST at 18% applies on fees. Banks change charges from time to time; the bank’s own terms are final.
Who can apply
- Salaried or self-employed; HDFC Bank decides income case by case
You will usually need PAN, Aadhaar or address proof, and income proof (salary slips or ITR). A credit score of 750 or more improves your chances.
Pros and cons
What we like
- Very cheap
- Credit on UPI QR payments
- Easy fee waiver
Watch out for
- Low reward value
- Monthly caps on every category
- Virtual card only
Recent changes
- 15 May 2026Fee on rupee payments to foreign merchants raised from 1% to 1.75%.
- 1 Jul 20251% fee added on rent and wallet loads.
Frequently asked questions
Can I use HDFC UPI RuPay card on Google Pay or PhonePe?
Yes. Link it to any UPI app and pay merchant QR codes on credit.
Ready to apply for the HDFC UPI RuPay Credit Card?Applying takes about 10 minutes online. Approval depends on the bank.
Apply nowSimilar cards
Sources: CardAdvisor. Details checked on 23 Oct 2026. For information only, not financial advice; always read the bank’s most important terms (MITC) before applying.