HDFC Bank UPI Rupay Biz Credit Card

Renewal fee

₹99 (Minimum Spend for waiver of annual membership fee / renewal charges for next year: ₹25,000 / Annum).

Verified · HDFC Bank UPI Rupay Biz Credit Card (fleet document) — governing document (side-door search) · 2026-08-14 · source

Redemption value

• Rewards Redemption Fee: ₹99 per redemption request.
• Cashback Redemption Charges: ₹50 per cashback redemption.
• Minimum amount required for cashback redemption for UPI RuPay Biz Credit Card: ₹250.
• Reward Points/CashPoints are valid only for 2 years from the date of accumulation.

Verified · MITC (Most Important Terms & Conditions) – HDFC Bank Credit Cards (covers UPI RuPay Biz) · 2026-08-14 · source

Reward cap

Credit Card purchases done via UPI mode will earn reward points upto a maximum of 500 points in a calendar month.

Verified · MITC (Most Important Terms & Conditions) – HDFC Bank Credit Cards (covers UPI RuPay Biz) · 2026-08-14 · source

Reward exclusion

• Rent payments do not earn Reward Points/CashPoints on all cards.
• EasyEmi and e-wallet loading transactions do not accrue Reward Points.
• Online Skill-Based gaming transactions do not earn Reward Points/CashPoints (w.e.f 1st July 2025).
• Reward Points/CashPoints accrued reversed if a retail transaction is converted into SmartEMI.

Verified · MITC (Most Important Terms & Conditions) – HDFC Bank Credit Cards (covers UPI RuPay Biz) · 2026-08-14 · source

Lounge access

Confirm on the official page

Welcome benefit

• No physical Credit Card provided.
• It is a virtual only card.
• Virtual card details available in MyCards platform.
• Set PIN via IVR (1860 266 0333).
• (Not a fee/reward welcome offer; threshold not stated on official source).

Verified · MITC (Most Important Terms & Conditions) – HDFC Bank Credit Cards (covers UPI RuPay Biz) · 2026-08-14 · source

Eligibility

• No physical Credit Card will be provided for customers issued HDFC Bank UPI RuPay Biz Credit Card.
• It will be a virtual only card.
• The virtual card details will be available in the MyCards platform.
• Customers can call the IVR number (1860 266 0333) to set the PIN of their virtual card.

Verified · MITC (Most Important Terms & Conditions) – HDFC Bank Credit Cards (covers UPI RuPay Biz) · 2026-08-14 · source

Forex markup

Confirm on the official page

Charge

• Cash advance fee: 2.5% or ₹500 whichever is higher.
• Finance charges (revolving credit and cash advances): 3.75% per month (45% annually).
• Charges on overlimit account: 2.5% of overlimit amount, minimum ₹550.
• Payment Return Charges: 2% of payment amount, minimum ₹450.
• Cash Processing Fee: ₹100.
• Duplicate physical statement charges: ₹10.
• Balance Transfer Processing Charges: 1% of BT amount or ₹250 whichever higher.
• Rewards Redemption Fee: ₹99 per redemption request.
• Cashback Redemption Charges: ₹50 per cashback redemption.
• Reissue of Lost, Stolen or Damaged Card: ₹199 for non-metal cards.
• ₹3,500 for metal cards.
• Dynamic currency conversion Markup Fee (w.e.f 15th May 2026): 1.75% on transactions in Indian Currency at international location or merchants registered overseas.
• Add-on Card Fee: Lifetime Free.
• Rent Pay Transactions (w.e.f 1st July 2025): 1% fee, capped ₹4999 per transaction.
• Fuel Charges: 1% fee on business card fuel transactions exceeding ₹30,000, capped ₹4999.
• Utility Charges: 1% on business card utility spends exceeding ₹75,000 per calendar month, capped ₹4999.
• Education Charges: 1% on education via third party apps, capped ₹4999.
• Online Skill based Gaming (w.e.f 1st July 2025): 1% on spends exceeding ₹10,000 per calendar month, capped ₹4999.
• Wallet Loading excl PayZapp (w.e.f 1st July 2025): 1% on spends exceeding ₹10,000 per calendar month, capped ₹4999.
• Late Payment Charges: Nil up to ₹100.
• ₹100 (₹101-500).
• ₹500 (₹501-1,000).
• ₹600 (₹1,001-5,000).
• ₹750 (₹5,001-10,000).
• ₹900 (₹10,001-25,000).
• ₹1100 (₹25,001-50,000).
• ₹1300 (more than ₹50,000).
• Card Validation charges: ₹2.
• Global Value Program annual membership: ₹199 + GST.

Verified · MITC (Most Important Terms & Conditions) – HDFC Bank Credit Cards (covers UPI RuPay Biz) · 2026-08-14 · source

Fuel surcharge waiver

Fuel Surcharge waiver Not Applicable.

Verified · MITC (Most Important Terms & Conditions) – HDFC Bank Credit Cards (covers UPI RuPay Biz) · 2026-08-14 · source

Interest-free period

• Interest free (grace) period could range from 20 to 50 days subject to the scheme applicable.
• Not applicable if previous month's balance not cleared in full or if cash availed from ATM.

Verified · MITC (Most Important Terms & Conditions) – HDFC Bank Credit Cards (covers UPI RuPay Biz) · 2026-08-14 · source

cash advance fee

Cash advance fee: 2.5% or ₹500 whichever is higher.

Verified · MITC (Most Important Terms & Conditions) – HDFC Bank Credit Cards (covers UPI RuPay Biz) · 2026-08-14 · source

finance charge

• Finance charge (revolving credit and cash advances): 1.99% per month (23.88% annually) for UPI RuPay Mega Saver Card.
• All other variants 3.75% per month (45.0% annually).

Verified · MITC (Most Important Terms & Conditions) – HDFC Bank Credit Cards (covers UPI RuPay Biz) · 2026-08-14 · source

Official terms

https://www.hdfc.bank.in/business-credit-cards/hdfc-bank-upi-rupay-biz-credit-card.

Verified · HDFC Bank UPI Rupay Biz Credit Card product page · 2026-08-14 · source