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Premium Decision Grade Catalog
HDFC BANK LTD
HDFC Bank UPI RuPay Credit Card
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Verified Catalog
Source: HDFC BANK LTD Official
Updated: Aug 2026
Overview
Editorial snapshot & Positioning.
Virtual UPI-enabled credit card offering cashback on various spend categories with UPI functionality across multiple apps
Key features
Highlights and rewards metrics.
The strongest rewards and lifestyle perks are surfaced as concise highlights.
Highlight 1
Enabled for UPI payments
Highlight 2
1% cashback on UPI spends
Highlight 3
Link to UPI-enabled apps like PayZapp
Technical details
Fees structure and lounge network details.
Joining fee, annual fee, and lounge network coverage are shown in a minimal data grid.
Joining fee
₹250
The front-loaded charge when you apply.
Annual fee
₹250
Shown alongside the annual renewal cost.
Networks
Domestic & Int'l
Lounge network compatibility.
Rewards Calculator
Interactive Spend & Earning Estimation.
Slide to match your average monthly spending across categories and see how much value you earn back in a year.
Monthly Spending Profile
Dining & Food (1% value)
₹5,000Travel & Hotels (1.5% value)
₹5,000Groceries (1.5% value)
₹5,000Online Shopping (2% value)
₹10,000Other Spends (1% value)
₹5,000Estimated Annual Spends
₹3,60,000
Annual Value Back
₹5,400
Rewards value at ~₹1 per point.
Annual Fee: ₹250100% Offset
🎉 Your earnings completely offset the annual fee!
Premium Benefits
Core privileges & lounge coverage.
Explore travel, dining, lifestyle, and protection privileges associated with this card tier.
Airport Lounge Access
Complimentary lounge network access details available on issuer portal.
Hotel Privileges
No specific hotel loyalty benefits are registered.
Detailed Schedule & Eligibility
Technical fees & documentation requirements.
View interest rates, Forex charges, late fees, and document checkmarks needed for approval.
No secondary fee details registered for this card.
Summary
Pros, cons, rating, and decision metrics.
CredHunt Expert Verdict
Editorial Review Score: 10/10
"Accessible entry-level card with decent reward structure; good for low-income individuals seeking credit access"
Expert opinion & editorial scorecard summarizing the card's position.
5.0 / 5
Pros
- Welcome Offer: 40,000 RP (₹10,000)
- Base Rate: 1.25% cashback
- Accelerated Rewards Program: 3X on dining
- Dining: 7% cashback
Cons
- Other Features: UPI integration
- good for low-income individuals seeking credit access
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Customer Reviews
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