Last updated: |Data verified from official bank sources
Entry
HDFC UPI RuPay Credit Card
HDFC Bank
Best for: UPI-linked credit card users
₹99
Annual Fee
1%
Reward Rate
N/A
Forex Markup
None
Domestic Lounge
None
Intl Lounge
Best for: UPI-linked credit card users
Fees & Charges
Joining Fee₹99
Annual Fee₹99
Fee WaiverSpend ₹25K annually
Rewards
TypeCashback
Base Rate1%
Effective Return1%
Accelerated Categories
UPI transactions1% (1%)
Lounge Access
DomesticNone
InternationalNone
Railway Lounge4/quarter
Eligibility
Minimum Income₹3.0L/year
Available on: RuPay
Frequently Asked Questions
What is the annual fee for HDFC UPI RuPay Credit Card?▼
HDFC UPI RuPay Credit Card has an annual fee of ₹99. Spend ₹25K annually
What rewards does HDFC UPI RuPay Credit Card offer?▼
HDFC UPI RuPay Credit Card offers 1% on all spends, with an effective value of 1%.
Does HDFC UPI RuPay Credit Card have lounge access?▼
HDFC UPI RuPay Credit Card does not include complimentary lounge access.
What is the minimum income required for HDFC UPI RuPay Credit Card?▼
The minimum income requirement for HDFC UPI RuPay Credit Card is ₹3.0 lakhs per annum.
Information sourced from HDFC Bank official website. Last verified: February 2026.
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PlasticMoney Research Team
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