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Last updated: 01-06-2026
HDFC Bank UPI RuPay Credit Card
HDFC Bank

HDFC Bank UPI RuPay Credit Card

"India's best UPI credit card โ€” 3% CashPoints on grocery and dining UPI payments; virtual-only, zero fee, add-on to any HDFC card"

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Quick Summary
๐Ÿ’ณ Joining Fee
Nil โ€” issued free as add-on to any HDFC primary credit card
๐Ÿ”„ Renewal Fee
Nil โ€” Lifetime Free
Waived: No fee โ€” lifetime free virtual card
๐ŸŽฏ Best Suited For
Existing HDFC Bank credit card holders who want to earn credit card rewards on everyday UPI payments โ€” groceries, dining; enables credit card benefits on UPI which most cards do not support
๐ŸŽ Reward Type
CashPoints shared with primary HDFC card (1 CP = โ‚น0.25)
๐ŸŽ‰ Welcome Benefit
500 CashPoints on activation on some card versions; no additional welcome โ€” this is a virtual add-on card
๐Ÿ’ฐ Reward Rate
3% CashPoints on grocery (MCC 5411) and dining (MCC 5812, 5814) UPI spends via PayZapp/Google Pay/PhonePe; 2% CashPoints on all other eligible UPI spends; excludes fuel, EMI, wallets; CashPoints based on MCC from RuPay network
โœˆ๏ธ Lounge Access
No airport lounge access โ€” governed by primary HDFC credit card
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โœ… Pros
  • Completely free โ€” zero joining or annual fee
  • 3% CashPoints on grocery and dining via UPI โ€” unique in India
  • 2% CashPoints on all other UPI spends
  • Instant virtual issuance
  • Works with all major UPI apps
  • No separate credit limit needed
โŒ Cons
  • Only for existing HDFC Bank credit card holders
  • Virtual card only โ€” cannot be used for physical card swipe or international payments
  • Shares credit limit with primary card
  • CashPoints rate depends on correct MCC from RuPay โ€” may vary by merchant

๐ŸŽ Rewards & Benefits

Reward Type
CashPoints shared with primary HDFC card (1 CP = โ‚น0.25)
Welcome Benefits
500 CashPoints on activation on some card versions; no additional welcome โ€” this is a virtual add-on card
Reward Rate
3% CashPoints on grocery (MCC 5411) and dining (MCC 5812, 5814) UPI spends via PayZapp/Google Pay/PhonePe; 2% CashPoints on all other eligible UPI spends; excludes fuel, EMI, wallets; CashPoints based on MCC from RuPay network
Reward Redemption
CashPoints pooled with primary HDFC card; redeem via HDFC NetBanking for statement credit (1 CP = โ‚น0.25), SmartBuy flights and hotels (up to 50% of booking value), vouchers, products
Fuel Surcharge Waiver
No fuel benefit on this virtual card
Lounge Access
No airport lounge access โ€” governed by primary HDFC credit card
Spend Based Fee Waiver
Not applicable โ€” card is lifetime free
Milestone Benefits
CashPoints earned contribute to primary card milestone calculations
Other Benefits
Virtual card only โ€” no physical card; link to UPI apps (Google Pay, PhonePe, BHIM, Paytm) and pay via UPI while earning credit card rewards; works within same credit limit as primary card; separate UPI PIN; manage via HDFC MyCards app; instant issuance on request

โœจ Special Perks & Exclusive Offers

Memberships
Details coming soon
Insurance Cover
Governed by primary HDFC credit card terms
Add-on Cards
This IS the add-on card โ€” issued alongside any HDFC primary credit card
Concierge Services
Details coming soon
Special Offers
3% CashPoints on grocery and dining via UPI โ€” unique feature in India

๐Ÿ’ณ Fees & Interest Rates

Joining Fee
Nil โ€” issued free as add-on to any HDFC primary credit card
Annual Fee / Renewal Fee
Nil โ€” Lifetime Free
โœ“ Waived on: No fee โ€” lifetime free virtual card
Interest Rate (APR)
๐Ÿ’ก Pay your balance in full each month and this never applies to you.
Governed by primary HDFC credit card interest rate
ATM Cash Withdrawal / Cash Advance
No ATM access โ€” virtual card only
Late Payment Charges
Governed by primary HDFC credit card
Over Limit Charges
Governed by primary HDFC credit card
Cheque Bounce / Auto-Debit Return
Details coming soon
Other Charges
Only for existing HDFC credit card holders; virtual card only โ€” no physical card; shares credit limit with primary card; CashPoints rate depends on correct MCC from RuPay network

๐Ÿ“‹ Eligibility & Credit Limit

Eligibility Criteria
Must be an existing HDFC Bank credit card holder; Indian resident; apply via HDFC Bank MyCards, PayZapp, or HDFC NetBanking
Credit Score Requirement
Not separately assessed โ€” governed by primary card eligibility
Credit Limit
Shared with primary HDFC credit card

๐Ÿ“… EMI, Balance Transfer & Debt Management

EMI Conversion
Available on UPI transactions above โ‚น2,500 via HDFC MyCards
Balance Transfer Facility
Not applicable
Balance Transfer Interest Rate
Not applicable
Balance Transfer Charges
Details coming soon

๐Ÿ”’ Security & Fraud Protection

Card Block Feature
Block via HDFC MyCards app
Instant Fraud Alerts
Alerts governed by primary card
Purchase Protection
Governed by primary card
Virtual Card Numbers
This is a virtual-only card โ€” view details via HDFC MyCards app
Zero Liability Protection
Governed by primary card terms

๐Ÿ“ž Customer Service & Digital Experience

Phone Support
1860 267 6161 (24x7) โ€” same as primary card
Chat / Email Support
Chat via HDFC iMobile app
Mobile App
HDFC Bank MyCards app: manage virtual card, link to UPI apps, track CashPoints
Online Banking
HDFC NetBanking: manage alongside primary card

Last updated: 01-06-2026

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Disclaimer: Information is for comparison purposes only. Verify details directly with the issuing bank before applying. CardComparison.in is not a bank or financial advisor.
Printed: 23 Oct 2026, 09:30 PM
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