← Part of HDFC Credit Cards in India
The HDFC Bank UPI RuPay Credit Card, a virtual-only offering, provides 3% CashPoints on specific categories like groceries and dining, making IT ideal for daily UPI transactions. As of 2026, HDFC Bank offers 5 credit cards on the RuPay network, integrating credit card benefits with UPI convenience for existing HDFC Bank credit card holders.
| Parameter | Details |
|---|---|
| Card Type | Virtual Card (No physical card provided) |
| Eligibility | Existing HDFC Bank credit card holders, Indian resident aged 21–65 years with good credit history |
| Joining Fee | ₹99 + Applicable Taxes |
| Annual Fee | ₹99 + Applicable Taxes (waived on annual spends of ₹25,000 or above in previous calendar year) |
| Welcome Benefit | Gift voucher worth ₹250 on 1st transaction within 37 days of card issuance and joining fee payment |
| Interest Rate | 3.6% per month (as of 2026) |
| Interest-Free Period | Up to 50 days from the date of purchase (as of 2026) |
| Reward System | CashPoints |
| CashPoints Earning Rate (Grocery & Supermarket MCC 5411) | 3% |
| CashPoints Earning Rate (Dining MCC 5812, 5814) | 3% |
| CashPoints Earning Rate (PayZapp) | 3% |
| CashPoints Earning Rate (Utilities) | 2% |
| CashPoints Earning Rate (All other spends including UPI) | 1% (on transactions above ₹100) |
| CashPoint Redemption Value | 1 CashPoint = ₹0.25 |
| Minimum Transaction for CashPoints | ₹100 |
| Maximum CashPoints Redemption (SmartBuy flights/hotels) | 70% of booking value |
| UPI Linkage | Linkable with PayZapp, GPay, PhonePe, Paytm, and other UPI apps |
| Card Management | Via MyCards platform in HDFC Bank app |
This virtual card integrates seamlessly with UPI platforms, offering a convenient way for existing HDFC Bank customers to earn rewards on everyday digital transactions.
Key Features & Benefits
The HDFC Bank UPI RuPay Credit Card offers 3% CashPoints on specific categories and an interest-free period of up to 50 days, making IT a versatile digital payment tool. Cardholders can link IT to any UPI app for seamless transactions, earning rewards on everyday spends.
| Feature | Details | Key Benefit |
|---|---|---|
| UPI Payment Integration | Link your HDFC Bank UPI RuPay Credit Card to any UPI app (PayZapp, GPay, PhonePe, Paytm, BHIM) for merchant payments. | Convenient and secure credit card payments via UPI platforms. |
| CashPoints Earning Rate | Earn 3% CashPoints on Grocery & Supermarket (MCC 5411) and Dining (MCC 5812, 5814) transactions. Earn 1% on all other spends, including UPI, for transactions above ₹100. | Maximizes rewards on and everyday spending categories. |
| Welcome Benefit | Receive a gift voucher worth ₹250 upon completing the first transaction within 37 days of card issuance and paying the joining fee. | Instant value back upon card activation and initial usage. |
| Annual Fee Waiver | The annual fee of ₹99 + Applicable Taxes can be waived by spending ₹25,000 or more in the previous calendar year. | Potential for a cost-effective credit card with zero annual fees based on spending. |
| Virtual Card Issuance | The HDFC Bank UPI RuPay Credit Card is issued as a virtual card; no physical card is provided. | Instant access and d security for digital transactions. |
| Interest-Free Period | Avail up to 50 days of interest-free period from the date of purchase. | Provides financial flexibility and extended payment cycles without interest charges. |
| Revolving Credit Facility | Offers revolving credit at an interest rate of 3.6% per month. | Access to credit for ongoing financial needs with manageable interest. |
| MyCards Platform | MyCards, a mobile-based service platform, helps convenient activation and management of the UPI RuPay HDFC Bank Credit Card. | Easy card management and control through a dedicated mobile platform. |
| Easy EMI Options | Convert high-value transactions into easy Equated Monthly Instalments (EMIs). | Manages large expenses conveniently by breaking them into smaller, affordable payments. |
| CashPoint Redemption | CashPoints can be redeemed via internet banking or a physical redemption form. 1 CashPoint equals ₹0.25 for UPI RuPay Credit Card Holders. | Flexible options to utilize earned rewards for cashback or other products/services. |
| Minimum Transaction for CashPoints | A minimum transaction value of ₹100 is required to earn CashPoints. | Ensures rewards are earned on substantial everyday purchases. |
| CashPoints CAP | CashPoints earned on UPI RuPay credit cards are capped for a particular calendar month (as of 2026). | Manages reward distribution while encouraging responsible spending. |
| Existing HDFC Cardholder Requirement | Issued only to existing HDFC Bank credit card users. | Streamlined application process for current HDFC Bank customers. |
| No Document Proof for Existing Users | No document proof is required for applying if you are an existing HDFC Bank credit card holder. | Simplifies the application process for eligible existing customers. |
The card’s virtual nature and integration with UPI apps make IT a modern solution for digital payments, offering rewards on daily spending categories.
Fees & Charges (2026)
The HDFC Bank UPI RuPay Credit Card carries a minimal annual fee of ₹99 plus applicable taxes as of 2026. This fee can be waived if cardholders spend ₹25,000 or more during the previous calendar year.
| Metric | Value (Rs.) | Details |
|---|---|---|
| Joining Fee | 99 + Applicable Taxes | Standard fee for the HDFC Bank UPI RuPay Credit Card. |
| Annual Fee | 99 + Applicable Taxes | Waived on spending ₹25,000 or more in the previous year. |
| Interest Rate (Monthly) | 3.6% | Applicable on outstanding balances after the interest-free period. |
| Interest Rate (Annual) | 45.0% | Calculated as 3.75% per month on unpaid amounts. |
| Foreign Transaction Fee | 3.50% | Charged on all transactions made in foreign currency. |
| Cash Advance Fee | 2.5% of amount (min ₹500) | Applies to cash withdrawals from ATMs using the credit card. |
| Redemption Fee | 99 + GST per request | Charged for redeeming CashPoints or other rewards. |
| Interest-Free Period | Up to 50 days | Available from the date of purchase if previous balance is paid in full. |
| Joining Fee (Biz Card) | 250 + Applicable Taxes | Specific to the HDFC Bank UPI RuPay Biz Credit Card variant. |
| Renewal Charge (Biz Card) | 250 + Applicable Taxes | Annual renewal fee for the HDFC Bank UPI RuPay Biz Credit Card. |
Understanding these charges helps in managing card usage effectively and avoiding unnecessary costs, especially the interest rate on revolving credit.
How to Apply & Link to UPI
Applying for the HDFC Bank UPI RuPay Credit Card is a streamlined process for existing HDFC Bank credit card holders. This virtual card allows seamless UPI payments through popular apps like PayZapp, Google Pay, and PhonePe.
No document proof is required for existing HDFC Bank credit card users, simplifying the application process significantly.
- Eligibility Check: You must be an Indian resident aged 21–65 years with a good credit history to qualify for the card.
- Primary Card Requirement: Apply for any Visa, Mastercard, or Diners credit card from HDFC Bank’s website as your primary credit card first.
- Request Additional RuPay Card: After securing a primary card, you can request an additional HDFC Bank UPI RuPay Credit Card.
- Application Channels: Submit your application online via HDFC Bank’s official website or mobile app, or visit any HDFC Bank branch.
- Virtual Card Issuance: The HDFC Bank UPI RuPay Credit Card is issued as a virtual card, meaning no physical card will be provided.
- Credit Card PIN Setup: Before linking to UPI, set your credit card PIN by calling 1860 266 0333 if you haven’t already.
- Linking to UPI Apps: Download your preferred UPI-enabled app (e.g., PayZapp). To ‘UPI accounts’, select ‘+ Add new’, then ‘RuPay credit card’, and choose ‘HDFC Bank credit card’ to link IT.
- Card Management: Use HDFC Bank’s MyCards mobile-based service platform for convenient activation and ongoing management of your UPI RuPay Credit Card.
Upon successful application and linking, you can immediately begin making UPI payments using your HDFC Bank UPI RuPay Credit Card.
Rewards & CashPoints Program
The HDFC Bank UPI RuPay Credit Card offers 3% CashPoints on specific UPI transactions, making IT beneficial for daily digital payments. Cardholders also receive a welcome gift voucher worth ₹250 upon meeting initial transaction criteria.
- 3% CashPoints on UPI Spends: Earn 3% CashPoints on UPI transactions made via PayZapp, PhonePe, Google Pay, or other UPI apps. This benefit applies to specific Merchant Category Codes (MCCs) like Grocery & Supermarket (5411) and Dining (5812, 5814).
- Welcome Gift Voucher: Receive a ₹250 gift voucher after completing your first transaction within 37 days of card issuance and paying the joining fee. This voucher adds immediate value for new users.
- CashPoint Redemption: CashPoints are HDFC Bank’s exclusive rewards system. These points can be redeemed against various options, including statement credit, product catalogues, or travel bookings.
- No Physical Card: The HDFC Bank UPI RuPay Credit Card is issued as a virtual card, focusing entirely on digital transactions. This streamlines its use for UPI payments.
- Annual Fee Waiver: The annual fee of ₹99 + applicable taxes can be waived by spending ₹25,000 or more in the previous calendar year. This provides an incentive for regular card usage.
- EMI Conversion: High-value transactions made with the card can be converted into easy Equated Monthly Instalments (EMIs). This offers financial flexibility for larger purchases.
- Card Management via MyCards: Manage your UPI RuPay Credit Card, including activating controls for online or contactless payments, through the HDFC Bank MyCards platform.
The rewards program is designed to maximize benefits for users who frequently use UPI for everyday expenses, offering tangible savings through CashPoints and fee waivers.
HDFC UPI RuPay vs Other RuPay Cards
The HDFC Bank UPI RuPay Credit Card offers specific benefits tailored for UPI transactions, distinct from other RuPay cards like Tata Neu HDFC and IndianOil Axis. As of 2026, IT primarily targets existing HDFC Bank credit card holders, providing a virtual card for seamless UPI payments.
| Feature | HDFC UPI RuPay | Tata Neu HDFC | IndianOil Axis |
|---|---|---|---|
| Annual Fee | ₹99 + Applicable Taxes | ₹3,00,000 annual spend for waiver | Not specified |
| Reward Points on UPI | 3% CashPoints on Grocery & Dining (MCC 5411, 5812, 5814), 1% on other UPI transactions (capped at 500 points/month) | 1.5% NeuCoins (Infinity variant), 5% NeuCoins on non-EMI Tata Neu & partner Tata brand spends | d fuel benefits |
| Welcome Benefit | Gift voucher worth ₹250 on 1st transaction within 37 days & joining fee payment | Not specified | Not specified |
| Annual Fee Waiver | Spend ₹25,000 or above in previous calendar year | Spend ₹3,00,000 annually | Not specified |
| Card Type | Virtual Card (No physical card) | Physical/Virtual (Implied) | Physical/Virtual (Implied) |
| Target User | Existing HDFC Bank credit card users, frequent UPI users | Regular Tata buyers (BigBasket, Croma, Air India) | Fuel-centric users |
| Interest Rate (per month) | 3.6% | Not specified | 3.6% (for HDFC IRCTC RuPay CC, as an example of HDFC RuPay rates) |
| Interest-Free Period | 50 days from date of purchase | Not specified | Not specified |
The HDFC UPI RuPay Credit Card focuses on integrating credit card benefits directly with UPI, offering specific rewards for common spending categories like groceries and dining.
Eligibility & Documentation for HDFC Bank UPI RuPay Credit Card (2026)
The HDFC Bank UPI RuPay Credit Card is primarily offered to existing HDFC Bank credit card holders. Applicants must be Indian residents aged 21 to 65 years with a strong credit history to qualify.
No additional document proof is required for existing HDFC Bank credit card users applying for this virtual card.
- Applicant Status: This card is exclusively available to individuals who already hold a primary Visa, Mastercard, or Diners credit card from HDFC Bank.
- Age Criteria: Applicants must fall within the age bracket of 21 to 65 years at the time of application.
- Residency: Only Indian residents are eligible to apply for the HDFC Bank UPI RuPay Credit Card.
- Credit History: A good credit history and repayment record are for approval, as assessed by HDFC Bank.
- Application Method: Existing cardholders can apply online via the HDFC Bank website or mobile app, or by visiting any HDFC Bank branch.
The credit limit for the UPI RuPay Credit Card is determined by HDFC Bank based on the applicant’s income, existing credit score, and repayment history.
Managing Your Card: MyCards & PayZapp
HDFC Bank offers dedicated digital platforms like MyCards and PayZapp to manage your UPI RuPay Credit Card efficiently. These platforms allow cardholders to activate, monitor, and control their card usage directly from their mobile devices. The HDFC Bank UPI RuPay Credit Card is issued as a virtual card, integrating seamlessly with UPI apps for daily transactions.
- MyCards Platform: This mobile-based service platform centralizes all credit card needs, facilitating convenient activation and ongoing management of your HDFC Bank UPI RuPay Credit Card.
- PayZapp Integration: Existing PayZapp users can easily link their RuPay credit card by navigating to ‘UPI accounts’, clicking ‘+ Add new’, and selecting ‘RuPay credit card’ followed by ‘HDFC Bank credit card’.
- UPI Registration: To register your HDFC Bank UPI RuPay Credit Card within any preferred UPI-enabled app (like PayZapp, GPay, PhonePe, Paytm), you must first set your credit card PIN by dialing 1860 266 0333.
- Card Controls: Cardholders must enable specific card controls within the HDFC Bank app to authorize online or contactless payments using their UPI RuPay Credit Card.
- Transaction Monitoring: MyCards allows users to track their spending, view transaction history, and manage limits, ensuring responsible credit usage.
- Virtual Card Access: Since the HDFC Bank UPI RuPay Credit Card is a virtual card, all management functions, including linking to UPI IDs, are performed digitally through these platforms.
These digital tools provide full control over your HDFC Bank UPI RuPay Credit Card, convenience for UPI and regular card transactions.
Key Takeaways
- The HDFC Bank UPI RuPay Credit Card is a virtual card, managed entirely through digital platforms like MyCards and PayZapp.
- Cardholders must set their credit card PIN and enable specific card controls in the HDFC Bank app for UPI and online transactions.
- Linking the RuPay Credit Card to UPI apps like PayZapp is a straightforward process within the app’s UPI account settings.
For detailed instructions and to manage your HDFC Bank UPI RuPay Credit Card, visit the HDFC Bank website or use the MyCards and PayZapp applications.
Frequently Asked Questions (FAQs)
What are the main benefits of the HDFC Bank UPI RuPay Credit Card in 2026?
The HDFC Bank UPI RuPay Credit Card offers 3% CashPoints on specific merchant categories like grocery, supermarket (MCC 5411), and dining (MCC 5812, 5814). IT functions as a virtual card, allowing direct UPI payments via apps like PayZapp, GPay, and PhonePe. New cardholders can also receive a ₹250 gift voucher upon completing their first transaction within 37 days and paying the joining fee.
How can I apply for the HDFC Bank UPI RuPay Credit Card in 2026?
Existing HDFC Bank credit card holders can request an additional UPI RuPay Credit Card through the HDFC Bank website or app. New customers must first apply for a primary HDFC Bank Visa, Mastercard, or Diners credit card. The application process is primarily online, with no document proof required for existing cardholders.
What are the eligibility criteria for the HDFC Bank UPI RuPay Credit Card?
Applicants must be Indian residents aged 21 to 65 years with a strong credit history. While specific income criteria vary by card variant, a good CIBIL score, typically above 750, is generally preferred. This card is primarily issued to existing HDFC Bank credit card users.
What are the fees and charges for the HDFC Bank UPI RuPay Credit Card in 2026?
The HDFC Bank UPI RuPay Credit Card typically has a joining fee and an annual fee. The annual fee can be waived off if you spend ₹25,000 or more in the previous calendar year. Always verify the latest fee structure directly on the HDFC Bank website as of 2026.
Can I link my HDFC Bank UPI RuPay Credit Card to any UPI app?
Yes, you can link your HDFC Bank UPI RuPay Credit Card to various UPI-enabled apps, including PayZapp, Google Pay, PhonePe, and Paytm. You must first set up your Credit Card PIN by calling 1860 266 0333 to register the card within your chosen UPI application. Ensure card controls are enabled for online payments via the HDFC Bank app.
Are reward points applicable on UPI transactions made with this card?
Yes, reward points, specifically CashPoints, are applicable on UPI transactions made using the HDFC Bank UPI RuPay Credit Card. These CashPoints are calculated based on the Merchant Category Code (MCC) provided by the RuPay network. Transactions from specific MCCs like Grocery (5411) and Dining (5812, 5814) qualify for the 3% CashPoints benefit.
Is the HDFC Bank UPI RuPay Credit Card a physical card?
No, the HDFC Bank UPI RuPay Credit Card is issued as a virtual card, meaning no physical card is provided. IT is designed for digital use, primarily for linking to your UPI ID and making payments through various UPI platforms. You manage the card through the MyCards service platform.
Disclaimer: This article is general information, not financial advice. Interest rates, fees, and eligibility change frequently. Verify current details with the lender or regulator (RBI / SEBI / IRDAI) before deciding.