○ Data not yet verified
)))

•••• •••• •••• ••••

HDFC Bank

HDFC UPI RuPay Credit Card

RuPayEntryCashback
Apply Now
Report data issue →

Annual Fee

Free

Reward Type

Cashback

Forex

3.5%

Lounge

0 dom · 0 intl

Full Spec Sheet

Multi-source Verified

Fees

Joining FeeFree
Annual FeeFree
Min Monthly Income₹25,000

Rewards

Reward TypeCashback
Base Rate3%
Point Value₹1/point

Travel & Global

Forex Markup3.5%
Domestic LoungeNone
Intl. LoungeNone

India-Specific

Fuel Surcharge✓ 1% waiver
RuPay UPI✓ UPI cashback

Similar Cards

Kotak 811 Dream Different (91%) →Kotak Mojo Platinum Credit Card (85%) →Jupiter Edge (84%) →RBL BankBazaar SaveSmart (84%) →Slice (84%) →

✓ Lifetime Free Card

This card has no annual or renewal fee - ever. No spend targets needed.

🎯 Pro Tips

  • ▸Use this card for all UPI payments to earn 3% cashback (₹500/month cap).
  • ▸Works natively on PhonePe, BHIM, Google Pay via RuPay UPI — no separate NACH needed.
  • ▸LTF — zero costs, ideal as a first credit card.

📊 Spend Profile Simulator

Spend Profile Simulator

Net Annual Value

+₹36,000

Effective Rate

3.0%

Ranked #9 of 173 cards🏆 Top 10

🏷️ Best For

cashbackfirst-card