The HDFC UPI RuPay Biz has a ₹99 annual fee (waived on ₹25,000 annual spend), earns 1% Cashpoints on Other Spends and charges a 3.5% forex markup.
| Annual fee | ₹99 |
|---|---|
| Joining fee | ₹99 |
| Annual fee waived | On ₹25,000 annual spend |
| Base rewards | 1% Cashpoints on Other Spends |
| Forex markup | 3.5% |
From issuer benefit data, checked 22 Oct 2026. Base rewards is the general earn rate; category and partner rates are under Key Benefits.
Key Benefits
Live offers on this card
147 online offers across 59 brands right now, each valid for at least another 7 days. Checked 22 Oct.
- Croma: Rs.12000 Discount · till 31 Oct
- EaseMyTrip: Flat Rs.7500 off · till 31 Oct
- ixigo: Rs.7500 Discount · till 31 Oct
- MakeMyTrip: Rs.7500 Discount · till 31 Oct
- Yatra: Flat Rs.7500 off · till 31 Oct
These are HDFC Bank's own offers and RuPay network offers, so they apply to every HDFC Bank RuPay card, not just this one. All HDFC Bank offers by category.
More about the Hdfc Bank Upi Rupay Biz Credit Card
Is the Hdfc Bank Upi Rupay Biz Credit Card worth it in 2026?
Yes, the Hdfc Bank Upi Rupay Biz Credit Card offers competitive rewards with 3% Cashpoints on dining, PayZapp transactions, groceries, and supermarkets. The low joining and renewal fees of Rs.99 each, with a renewal fee waiver on spending Rs.25,000, make it cost-effective for regular users.
Who should get the Hdfc Bank Upi Rupay Biz Credit Card?
This card is ideal for business owners and frequent spenders who regularly dine out, shop for groceries, and use PayZapp. Users who can spend at least Rs.25,000 annually will benefit from the renewal fee waiver and maximize their Cashpoints earnings.
How to maximise rewards on the Hdfc Bank Upi Rupay Biz Credit Card?
To maximize rewards, prioritize spending on dining, PayZapp transactions, groceries, and supermarkets to earn 3% Cashpoints. Additionally, ensure your annual spends exceed Rs.25,000 to waive the Rs.99 renewal fee and increase overall savings.
What purchases give the best value on the Hdfc Bank Upi Rupay Biz Credit Card?
Purchases on dining, PayZapp transactions, groceries, and supermarkets offer the best value with 3% Cashpoints. Utility spends earn 2% Cashpoints, while other spends get 1%, making targeted spending essential for maximum rewards.