HDFC Bank UPI RuPay Credit Card
HDFC Bank UPI RuPay Credit Card from HDFC Bank is covered here with fees, rewards, benefits, exclusions, fuel/forex charges and Zlash's practical verdict for Indian users.
Annual fee: Rs 99 | Reward type: Reward Points | Best for: Shopping, Grocery, Dining
Estimated value per Rs 100 of eligible spend.
HDFC Bank UPI RuPay Credit Card Overview
HDFC Bank UPI RuPay Credit Card is a HDFC Bank credit card. Base reward value is about Rs 0.06 per Rs 100 of eligible spend. Zlash checks boosted categories like grocery, dining, partner brands along with caps and exclusions.
Best For
HDFC Bank UPI RuPay Credit Card is most useful when your spends regularly fall into grocery, dining, partner brands.
Rewards
grocery
3x the base reward rate.
Monthly cap: Rs 125
dining
3x the base reward rate.
Monthly cap: Rs 125
partner brands
3x the base reward rate.
Monthly cap: Rs 125
utility bills
2x the base reward rate.
Monthly cap: Rs 125
UPI
1x the base reward rate.
Not Good For
- Spends in excluded categories such as fuel, rent, wallet reloads, cash advances, government transactions.
- International transactions if you need low forex markup; this card lists 3.5% markup.
Lifestyle Benefits
Movies and dining: Movie and dining benefit is listed in extracted facts; confirm access rules with the issuer before relying on it.
Fuel And Forex Charges
3.5% foreign currency markup.
Reward Exclusions
Zlash Verdict
Choose this card when shopping, grocery, dining match your normal spend pattern. Skip it for categories that are excluded from rewards or where another card gives a cleaner direct discount.
This page is generated from normalized card facts, not copied review prose. Zlash uses this structure so card data can power both public SEO pages and future in-app card detail views.
FAQ
What is the annual fee of HDFC Bank UPI RuPay Credit Card?
The listed annual fee is Rs 99.
What is HDFC Bank UPI RuPay Credit Card best used for?
HDFC Bank UPI RuPay Credit Card is most useful when your spends regularly fall into grocery, dining, partner brands.
Does HDFC Bank UPI RuPay Credit Card have reward exclusions?
Yes. The extracted exclusions include fuel, rent, wallet reloads, cash advances, government transactions, payment of outstanding balances.
How does Zlash use this card data?
Zlash uses fee, reward, cap and exclusion facts to estimate effective prices after eligible payment rewards.