Fees & charges
| Joining fee | ₹99 + applicable taxes |
|---|---|
| Annual / renewal fee | ₹99 + applicable taxes |
| Renewal-fee waiver | ₹25,000/year (spend ₹25,000+ annually before renewal date → renewal fee waived from 2nd year onwards) |
| Network | RuPay RuPay |
Rewards & benefits
| Reward rate | 3% CashPoints on groceries/supermarket/dining & PayZapp; 2% on utility bills; 1% on other spends (excludes Rent, Wallet loads, EMI, Fuel, Insurance, Government). Applies to both UPI and regular card spends. |
|---|---|
| Welcome benefit | None stated |
| Lounge access | none |
| Key benefits | UPI-linkable virtual RuPay credit card earning up to 3% CashPoints, zero fuel surcharge and 50-day interest-free period, with a low ₹99 fee waived on ₹25,000 annual spend. |
Eligibility & status
| Eligibility / income | Not stated on HDFC's page |
|---|---|
| Status note | active |
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 | ₹99 + applicable taxes | ✓ |
| Fee waiver (min spend) | ₹25,000 / AnnumMITC v4.3, fee table L268-278 | ₹25,000/year (spend ₹25,000+ annually before renewal date → renewal fee waived from 2nd year onwards) | ✓ |
| Fuel surcharge waiver | Fuel Surcharge waiver Not ApplicableMITC v4.3, fee table L268-278 | Zero fuel surcharge (per recorded card detail; not shown on the live microsite fetch) | ✓ |
| 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 & PayZapp; 2% on utility bills; 1% on other spends (excludes Rent, Wallet loads, EMI, Fuel, Insurance, Government). Applies to both UPI and regular card spends. | • |
| Welcome benefit | Not in MITC | NOT STATED | |
| Lounge access | Not in MITC | None stated | • |
| Eligibility | Not in MITC | No minimum income stated; issued as a virtual RuPay add-on requiring a primary HDFC Visa/Mastercard/Diners credit card | • |
✓ both agree ⚠ differ — verify • MITC only • microsite only
Live microsite fetch this run: thin 37, ok 3, blocked 1. HDFC microsites are JavaScript-rendered, so where the live fetch was thin the microsite column shows the fact as previously recorded from that card’s HDFC page — open the linked URL 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
- HDFC Bank UPI RuPay Credit Card
- Convenience of UPI & Credit Card benefits
- Apply for RuPay UPI Credit Card - Get Cashpoints on Spends
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