Overview
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The HDFC Bank UPI RuPay Credit Card is a virtual-only, UPI-enabled credit card issued exclusively on the RuPay network at just ₹99 per year. It bridges the gap between UPI convenience and credit card rewards — every UPI payment made using this card earns CashPoints just like a regular card swipe. The reward structure gives 3% on groceries, supermarkets, dining and PayZapp, 2% on utility bills, and 1% on all other eligible spends, all applicable on both UPI and regular card transactions. CashPoints redeem at ₹0.25 each for cashback or via SmartBuy for travel. The card is only issued as a companion to an existing HDFC Visa, Mastercard or Diners credit card — it cannot be applied for as a standalone primary card. No physical card is issued; the card lives entirely in the HDFC app. The annual fee waiver at just ₹25,000 annual spend is among the easiest in the market. A Biz and Mega Saver variant also exist for business users and higher spenders respectively.
Frequently discussed on r/CreditCardsIndia as a recommended add-on for existing HDFC cardholders who use UPI heavily. The main draw is earning rewards on UPI QR payments which most cards don't support. The low ₹0.25/point cashback value and the 500-point monthly cap are cited as the main drawbacks. Most users recommend it as a secondary card purely for UPI grocery and dining spend, not as a primary card. Often stacked with a stronger HDFC primary card like Regalia Gold or Millennia.