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HDFC Bank UPI RuPay Credit Card
HDFC Bank
Joining Fee₹250Renewal Fee₹250Waived at ₹25,000 annual spend
Last verified: 24 Sept 2026
Reward Program
CashPoints1 point = ₹0.25
| Category | Earn Rate | Monthly Cap |
|---|---|---|
Groceries, supermarkets, dining and PayZapp | 3% | No cap |
Utility bills | 2% | No cap |
HDFC SmartBuy - flight and hotel bookings (channel, not an MCC: merchant hdfc-smartbuy-travel) | 5% | ₹1,000/monthly |
| All other spends | 1% | No cap |
Redemption fee: 99
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Managed via HDFC Bank SmartBuy, HDFC Bank NetBanking
Transfer partners
Statement balance redemption — 1 CashPoint = ₹0.25, the strict Rule 5 maximum HDFC publishes for this card. A minimum statement balance of ₹500 is required.Flights and hotel bookings, capped at ₹50,000 a month.Products and vouchers — up to 70% of value payable in points.
Live Offers
305 activeTravellers JourneyUp to Rs15,000 Off on HDFC Bank Cards
₹15,000 off
TJHDFC15Till 31 DecThomas CookGet upto 12,000 Instant Discount with HDFC Bank Credit Cards on Thomas Cook Holidays
₹12,000 offTill 31 Dec
SotcGet upto INR 12,000 Instant Discount on your Holiday Bookings with HDFC Bank Credit Cards
₹12,000 offTill 31 Dec
Reliance DigitalGet Flat Rs. 6,000 Discount on Apple Iphone 17 & 17 Pro at Reliance Digital with EASYEMI o
₹6,000 offTill 31 Dec
CromaGet Flat ₹4,000 discount on Apple Iphone 17 & 17 Pro models with EASYEMI on HDFC Bank Cred
₹4,000 offTill 31 Dec
Benefits
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Fuel Surcharge Waiver
Fuel earns NO Reward Points on this card. HDFC also charges 1% on fuel transactions above ₹15,000, capped at ₹4,999 per transaction, w.e.f. 1 October 2025.
Reward Calculator
Assumes the best-paying merchant everywhere, so read it as a ceiling rather than an average.
What this card is worth
Open a section and enter what you actually spend. Everything updates as you type.
Fees & Charges
| Joining Fee | ₹250/yr |
| Renewal Fee | ₹250/yr |
| Fee Waiver | Spend ₹25,000/year |
| Forex Markup | 3.5% |
| Interest Rate | 45% p.a. |
| Cash Advance Fee | 2.5% of the amount withdrawn, subject to a minimum of ₹500. |
| Reward Redemption Fee | 99 |
