HDFC Bank UPI RuPay Credit Card
HDFC Bank · Reward Points · Reward Points
This comprehensive guide covers the HDFC Bank UPI RuPay Credit Card's reward rates, fees, and terms — updated regularly from official sources — to help you decide if this card fits your spending. The HDFC Bank UPI RuPay Credit Card from HDFC Bank offers reward points rewards redeemable as reward points. Top earning categories include 2 reward points per inr 100 on upi spends and more. This card has no annual fee.
Best for: General Online, Grocery, Dining, Online Retail
Official product page → Official rules →
Annual fee: ₹0
Waiver: Lifetime free
Waiver: Lifetime free
Reward Rules
- 2 pts/$100 2 reward points per INR 100 on UPI spends
- 0.66 pts/$100 1 reward point per INR 150 on all other spends
Important Notes
- UPI linking and RuPay benefits not fully modeled
- Lifetime free card
How to Apply
- Apply online: Official application page →
- Credit score: Most rewards cards require good to excellent credit (typically 670+ FICO).
- Issuer rules: Some issuers restrict approvals (e.g. Chase 5/24). Verify current eligibility before applying.
HDFC Bank UPI RuPay Credit Card vs Similar Cards
- Axis Bank Magnus Credit Card — Reward Points · ₹10,000
- Axis Bank Magnus Burgundy Credit Card — Reward Points · ₹12,000
- Axis Bank MyZone Credit Card — Reward Points · ₹500
Maximize Your Rewards
To earn the highest rewards, use the HDFC Bank UPI RuPay Credit Card for its bonus categories: General Online, Grocery, Dining, Online Retail, Electronics Accessories.