Not available via the quiz

Available only as an add-on to an existing HDFC card, not a standalone application.

HDFC Bank UPI RuPay Credit Card

HDFC Bank

Add-on card only — never shown as a quiz result.

upi rewardsGrocery cashbackBill-pay rewardsDining rewardsFuel surcharge waiver

₹99

Joining fee

₹99, waived at ₹25k spend

Annual fee

Rs 0 under a current limited-time offer; normally Rs 99/year, waived by spending Rs 25,000 in a calendar year.

3.5%

Forex markup

4.5 / 5

Rating

Eligibility

No minimum income specified

No minimum CIBIL score required

Age: 21–65

Must already hold an existing HDFC Bank credit card — described as a 'floater card' add-on product, not a standalone application. Income/CIBIL not disclosed.

Key features

3% CashPoints on groceries/dining/PayZapp
2% on utilities
1% elsewhere
UPI-enabled RuPay
Issued only as an additional/floater card to an existing HDFC credit card account — not a standalone application

Reward details

1% CashPoints on all other purchases, capped at 500 points/month

3% CashPoints on Groceries, supermarket, dining, PayZapp transactions — 500 points/month
2% CashPoints on Utility bills — 500 points/month

Welcome bonus: Rs 250 voucher after the first transaction within 37 days

Redemption

Minimum redemption threshold of 2,000 CashPoints; minimum transaction of Rs 100 required to earn rewards

Ratio: 1 CashPoint = Rs 0.25

Excluded from rewards: rent, fuel, insurance, wallet loads, prepaid card loads, vouchers, EMIs, education, government-related payments, cash advances, card fees

Real-world feedback

Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.

Complaints

Monthly earning caps (500 points per tier) significantly restrict earning potential for anyone using it as a primary spending card — Paisabazaar

Sources

Aggregator — fees, eligibility, forex, lounge, rewards, sentiment
Official — status confirmation