# Hdfc Bank Upi Rupay Biz Credit Card

**Best for:** Frequent diners and PayZapp users

**Think twice if:** Low spenders or infrequent travelers

**Key strengths:** Earn 3% Cashpoints on Dining purchases · 3% Cashpoints on PayZapp transactions · 2% Cashpoints on Utility bill payments

## Fees

- **Joining Fee:** Joining Fee of Rs.99
- **Annual Fee:** Renewal Fee of Rs.99
- **Fee Waiver:** Spend Rs.25000 For Renewal Fee Waiver
- **Forex Markup:** 3.50% - Foreign Currency Transactions

## Rewards

- **Top Reward Rate:** 3% Cashpoints on PayZapp transactions

---
[Ask AI about this card](https://fintiger.in/cardchat/hdfc-bank-upi-rupay-biz-credit-card/)