HDFC Bank UPI RuPay Credit Card
A digital-only virtual credit card built explicitly for mobile payments. It links seamlessly with PhonePe, Google Pay, and PayZapp to allow instant Scan & Pay credit at merchant QR codes, earning up to 3% CashPoints on groceries and dining without touching your bank balance.
Why We Recommend The HDFC Bank UPI RuPay Credit Card
Must-have companion card for any HDFC cardholder to earn points on all everyday UPI QR scans without touching debit savings.
Anyone using UPI regularly who wants to earn credit card points on daily QR code scans
Welcome Gift & Activation Benefits
* Welcome benefits are typically unlocked upon payment of the joining fee and initial card activation within 30 to 90 days.
Grofi Expert Rating
Our ratings assess real-world net reward yields after fee deductions, partner redemption flexibility, lounge conditions, and user transparency.
How Much Can You Save with the HDFC Bank UPI RuPay Credit Card?
Adjust your expected monthly card spends to calculate your real annual rewards and net savings.
Includes flight & hotel bookings, partner brands (Amazon, Swiggy, Flipkart), dining, and online shopping.
* Reward Point Value: 1 CashPoint = ₹0.25 on statement credit or travel bookings.
Based on annual spending of ₹6,00,000.
Fees & Charges Breakdown for HDFC Bank UPI RuPay Credit Card
Zero hidden costs. Complete fee schedule verified with HDFC Bank official guidelines.
One-time fee charged on the first statement
Billed annually starting from the 2nd year
Annual fee reversed upon crossing this spend milestone in the preceding card year
Charges applicable on foreign currency transactions and cross-border payments
Standard interest rate on revolving card balances
Fee on ATM cash withdrawals via credit card
From the first day of billing cycle till due date
Airport Lounge Privileges on the HDFC Bank UPI RuPay Credit Card
Experience gourmet dining, quiet workspaces, and premium comforts before every flight.
No complimentary lounge access
Valid across 40+ domestic airport lounges including Mumbai (Adani), Delhi (Encalm), Bengaluru (080 Lounge), Hyderabad, Chennai, and Kolkata terminals.
Not available
Access over 1,300+ luxury airport lounges globally across Dubai, London Heathrow, Singapore Changi, New York JFK, Frankfurt, and Doha.
What Makes HDFC Bank UPI RuPay Credit Card Stand Out?
Discover the top benefits, special offers, and protections engineered into this card.
Dedicated virtual credit card for Scan & Pay merchant UPI payments
Up to 500 CashPoints per month in each accelerated category
Interest-free credit period up to 50 days on UPI transactions
Pros & Cons of the HDFC Bank UPI RuPay Credit Card
An honest, transparent evaluation of strengths and limitations before you submit your application.
What We Love (Pros)
- Turns everyday tea stall, grocery, and local store UPI scans into rewards
- Lowest waiver threshold at just ₹25,000 annual spend
- Often offered Lifetime Free to existing HDFC cardholders
Things to Consider (Cons)
- Virtual-only (no physical plastic card delivered)
- Point value is ₹0.25 per point
Who Can Apply for the HDFC Bank UPI RuPay Credit Card?
Review minimum income, credit score thresholds, and essential verification documents.
Net in-hand monthly or annual earnings
Primary applicant (18+ for add-ons)
With continuous employment proof
With valid Indian address proof
700+ Score Recommended
Applicants with a credit score of 700 or higher enjoy fast-tracked approval and preferential credit limits from HDFC Bank.
Documents Required
100% digital paperless verification via Video KYC. Keep these documents ready:
Identity & Address Proof
Aadhaar Card (linked with mobile number for OTP), Passport, Driving License, or Voter ID.
PAN Card
Mandatory physical or e-PAN copy required by RBI guidelines for all credit applications.
Proof of Income
Salaried: Last 3 months' salary slips or bank statements. Self-employed: Latest ITR computation.
Everything You Need to Know About HDFC Bank UPI RuPay Credit Card
Clear answers to common questions regarding annual fees, reward redemption, lounge rules, and delivery.
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Ready to Apply for the HDFC Bank UPI RuPay Credit Card?
Check your pre-approved credit limit and instant approval eligibility across HDFC Bank with 100% paperless verification and zero score impact.