The HDFC UPI RuPay 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 Credit Card
Is the Hdfc Bank Upi Rupay Credit Card worth it in 2026?
Yes, the Hdfc Bank Upi Rupay Credit Card is worth it in 2026 due to its attractive 3% Cashpoints on PayZapp transactions, groceries, supermarkets, and dining. With a low joining and renewal fee of Rs.99, and renewal fee waiver on spending Rs.25,000, it offers good value for frequent users.
Who should get the Hdfc Bank Upi Rupay Credit Card?
This card is ideal for users who frequently shop at groceries, supermarkets, dine out, and use PayZapp for payments. It's best suited for individuals looking to earn up to 3% Cashpoints on everyday spends with a minimal annual fee.
How to maximise rewards on the Hdfc Bank Upi Rupay Credit Card?
To maximise rewards, use the card for PayZapp transactions, groceries, supermarkets, and dining to earn 3% Cashpoints. Also, pay utility bills with the card to get 2% Cashpoints and aim to spend at least Rs.25,000 annually to waive the renewal fee.
What purchases give the best value on the Hdfc Bank Upi Rupay Credit Card?
Purchases made via PayZapp, groceries, supermarkets, and dining offer the best value with 3% Cashpoints. Utility bill payments earn 2% Cashpoints, while other spends get 1%, making daily essentials and dining the most rewarding categories.