HDFC Bank UPI RuPay Credit Card: rewards, caps and exclusions
The HDFC Bank UPI RuPay Credit Card pays about 0.75% on Groceries, Food (UPI), on the first ₹16,600 of spend a month, and 0.25% on everything else. Below is every rate, cap and exclusion in HDFC Bank's published terms, as we last checked them on 16 July 2026.
What it earns
≈ marks a rate paid in points, converted at ₹0.25 a point: the lowest redemption value HDFC Bank documents. Some redemptions are worth more; we price at the floor, because that is what the points are worth whichever way you spend them.
What earns nothing
Spend in these categories earns no rewards on this card, however it is paid for:
- Fuel
Fees
- Annual fee: ₹99, plus 18% GST
Where this comes from
Transcribed from HDFC Bank's own documents and checked against them on 16 July 2026:
Banks change these terms, sometimes with a month's notice. If a figure here disagrees with HDFC Bank's current document, the bank's document is right. Tell us at support@zenidhi.com and we'll fix the rule, here and in the app.
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Zenidhi reads your HDFC Bank statements and transaction alerts in Gmail, replays every swipe against the rules on this page, and shows you what you missed, and which card in your wallet to use next time. Get my audit · How the audit works
Other HDFC Bank cards
≈10% on Smartbuy portal
HDFC Bank Diners Club Privilege Credit Card≈2% on Online food ordering (online)
HDFC Millennia Credit Card5% on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, Zomato
HDFC MoneyBack+ Credit Card≈2.5% on 10X partner merchants
Swiggy HDFC Bank Credit Card10% on Swiggy app
Tata Neu Infinity HDFC Bank Credit Card≈5% on Tata Neu app / partner Tata brand merchants (in store / online)