HDFC Bank UPI RuPay Credit Card
How to get this & earn coins
1 Complete the offer
2 Claim & redeem your coins
- Complete the goal above to earn 🪙 500 coins.
- Go to the Rewards page and submit your proof (screenshot + phone / transaction ID).
- We verify it manually and credit the coins to your account.
- Redeem your coins for free games, skins or game credits once you reach 2,000 coins.
About this offer
The HDFC Bank UPI RuPay Credit Card brings UPI convenience to a rewarding credit card — link it to any UPI app and scan-and-pay while earning CashPoints on your everyday spends, with up to 50 days of interest-free credit.
Key benefits
- Enjoy UPI convenience — pay via UPI with your credit card
- 3% CashPoints on groceries and more
- 2% CashPoints on utility bill payments
- 1% CashPoints on all other categories
- Up to 50 days of interest-free credit
- Zero fuel surcharge
CashPoints are capped at 500 per category each month, and exclude rent, wallet loads, EMIs, fuel and government categories.
Frequently asked questions
What is the HDFC Bank UPI RuPay Credit Card?
It’s a credit card tailored to earn rewards on UPI transactions, along with other everyday benefits.
How many CashPoints can I earn?
Up to 3% on select categories, 2% on utilities and 1% on most other transactions — up to a maximum of 500 points per category each month.
What is the annual fee?
₹99 plus tax — and it’s waived if you spend ₹25,000 or more in a year.
Is there a CIBIL score requirement?
Yes — applicants should have a CIBIL score of 750 or above.
What if I don’t qualify through the credit bureau?
In that case you may be asked to provide proof of income for further evaluation.
Fees & charges: Joining fee ₹99 + tax and annual fee ₹99 + tax (the annual fee is waived on annual spends of ₹25,000 or more). A CIBIL score of 750+ and new-to-bank status apply. Card issuance, credit limit, benefits and eligibility are decided solely by HDFC Bank as per their prevailing terms.
Terms that matter
- This offer is for new-to-bank (NTB) customers only.
- Eligibility: age 21–60 (salaried) or 21–65 (self-employed), with a regular, stable income.
- Income guide: around ₹20,000/month for salaried or ₹6 lakh/year for self-employed; minimum CIBIL score of 750.
- Complete the application in a single journey on your own device; if you exit midway, resume with the same link or the lead may be rejected.
- Your mobile number must be linked to your Aadhaar.
- Documents: PAN and Aadhaar (identity); an electricity/telephone bill, passport, Aadhaar or rental agreement (address); and a 6-month bank statement, 3-month salary slips or employment letter (income).
- Card issuance, credit limit, benefits and fees are at the sole discretion of HDFC Bank as per their prevailing terms.
Earn 500 reward points
Complete this through the button above, then submit proof to claim your reward points. Verified manually before crediting.