HDFC Bank
Expert Rating
₹98
₹250 gift voucher
0%
Processing time: 3-7 business days (subject to verification) | Standard approval process
HDFC UPI RuPay is a virtual-first RuPay credit card built for everyday digital payers — it rewards UPI and regular spends with CashPoints, offers fee-waiver paths on modest annual spends, and supports UPI payments directly from your credit line.
Enable UPI transactions charged to your credit card
Convenient digital payments without linking a bank account
Simpler UPI flow compared to using debit-linked UPI for credit spend tracking
Grocery and supermarket transactions
CashPoints apply to both UPI and regular credit card spends as per HDFC T&Cs.
Utility bill payments
Applicable to eligible utility categories.
All other merchant spends (exclusions apply)
Excludes certain categories like fuel, wallet loads, government transactions, etc.
₹25,000 (example promotional threshold)
—
Annual fee waiver on meeting annual spend criteria (e.g., spend ₹25,000 in an annual year — refer to bank T&Cs).
| Fee Type | Amount | Frequency | Conditions |
|---|---|---|---|
| Joining / Renewal Fee | ₹99 + taxes | yearly | Fee may be waived on meeting annual spend criteria or during promotional periods. |
| Cash Advance Fee | 2.5% | transaction | Minimum charges may apply as per bank schedule. |
Card is issued in virtual form for UPI use; physical card may not be issued for the UPI variant.
Subject to product rules and issuance policy.
Use credit balance for UPI payments where accepted.
UPI on credit subject to limits and bank rules.
Apply online via HDFC Bank credit cards page
Complete UPI and KYC details
Receive verification/confirmation
Virtual card enabled for UPI transactions
3-7 business days (subject to verification)
Online Application: Available
Instant Approval: Not Available
Accepted documents:
Accepted documents:
Accepted documents:
Wide coverage across India where RuPay/UPI is accepted
Limited compared to Visa/Mastercard; check merchant acceptance abroad
Yes (virtual card for online/UPI transactions)
Mobile Wallet Support:
Occupation Types:
KYC (PAN, Aadhaar) required. Card issued as a virtual UPI RuPay credit card in many cases.
₹98 Annual Fee •3-7 business days (subject to verification)