HB
•••• •••• •••• ••••
HDFC Bank UPI RuPay BizHDFC Bank
Official listing
| Segment | Business |
|---|---|
| In HDFC MITC fee table | Yes |
| Status | Live |
Sources compared — HDFC's MITC (PDF) vs the card's microsite
Every fact is shown from both of HDFC's own sources so you can verify it yourself — the MITC PDF ↗ (the binding fee document) and the product microsite ↗. Nothing is omitted or paraphrased.
| Fact | 📄 MITC PDF | 🔗 Microsite | |
|---|---|---|---|
| Joining / annual fee | ₹ 99MITC v4.3, fee table L268-278 | Joining/ Renewal Membership Fee - ₹99/- + Applicable Taxes (Festive Season Offer!!!) | ✓ |
| Fee waiver (min spend) | ₹25,000 / AnnumMITC v4.3, fee table L268-278 | Renewal membership fee waived on spending of ₹25,000 and above in a year | ✓ |
| Fuel surcharge waiver | Fuel Surcharge waiver Not ApplicableMITC v4.3, fee table L268-278 | Zero Fuel surcharge (There is no fuel surcharge applicable on UPI payments. Therefore, no fuel surcharge waiver will be provided, however w.e.f 1st Oct 2025, 1% fee will be levied on Fuel transaction exceeding Rs 15,000. Fee capped at Rs 4999 per transaction) | ⚠ |
| Forex markup | 3.5%MITC v4.3, fee table L268-278 | NOT STATED | • |
| Reward rate | Not in MITC (product term) | 3% Cashpoints on Groceries, SuperMarket & Dining spends & PayZapp transactions; 2% Cashpoints on Utility bills; 1% Cashpoints on other spends (Excluding Rent, Wallet loads, EMI, Fuel, Insurance Payments & Government categories) | • |
| Welcome benefit | Not in MITC | NOT STATED | |
| Lounge access | Not in MITC | NOT STATED | |
| Eligibility | Not in MITC | No, the UPI RuPay Credit Card will be issued as an additional floater card only and not as a standalone card or fresh Credit Card. | • |
✓ both agree ⚠ differ — verify • MITC only • microsite only
Microsite values are captured VERBATIM from each card's live HDFC page (fetched 2026-07-04). Quality of capture: rich 55, partial 15, thin 4. Open the linked page to verify. See the full schedule of charges → (finance charges, cash-advance, late-fee slabs…), all cited to the MITC.
Verbatim quotes captured from the live microsite
- Joining/ Renewal Membership Fee - ₹99/- + Applicable Taxes (Festive Season Offer!!!)
- Spend ₹25,000 or more in an annual year, before your Credit Card renewal date and get your renewal fee waived off from 2nd year onwards
- 3% Cashpoints on Groceries, SuperMarket & Dining spends & PayZapp transactions
- 1% Cashpoints on other spends (Excluding Rent, Wallet loads, EMI, Fuel, Insurance Payments & Government categories)
- Avail up to 50 days of interest free credit
Related Digital & UPI cards
stop guessing what you earn
Know the fees. Then track what you actually pay.
This catalogue shows the card. OneStatement reconciles your real statements to the paisa — fees audited, rewards tracked, every cycle balanced, 100% on your device. No cloud, no account.