HDFC Bank UPI RuPay Credit Card

Lounge access

No lounge access benefit is stated for the HDFC Bank UPI RuPay Credit Card in the official sources.

Verified · Most Important Terms & Conditions (MITC) – HDFC Bank Personal Credit Cards (English) · 2026-08-01 · source

Interest-free period

• Interest free (grace) credit period could range from 20 to 50 days, subject to scheme and submission of claims by the merchant.
• Not applicable if previous month's balance not cleared in full or if cash withdrawn from ATM.

Verified · Most Important Terms & Conditions (MITC) – HDFC Bank Personal Credit Cards (English) · 2026-08-01 · source

Fuel surcharge waiver

Fuel Surcharge waiver Not Applicable for HDFC Bank UPI RuPay / UPI RuPay Biz / UPI RuPay Mega Saver Credit Card.

Verified · Most Important Terms & Conditions (MITC) – HDFC Bank Personal Credit Cards (English) · 2026-08-01 · source

Award example

• On ₹15,000 spend (₹9,000 select categories under 3%, ₹2,000 other spends, ₹1,000 utility, ₹1,500 fuel, ₹1,500 EMI): fuel and EMI not rewarded.
• 3% on ₹9,000 = 270, 2% on ₹1,000 utility = 20, 1% on ₹2,000 other = 20.
• Total 310 CashPoints.

Verified · Terms & Conditions – HDFC Bank UPI RuPay Credit Card CashPoints Proposition (Rewards/Program Terms) · 2026-08-01 · source

Redemption value

• CashPoints redeemable against statement balance at 1 CashPoint = ₹0.25.
• Minimum 2000 CashPoints (₹500) required for redemption against statement balance.
• CashPoints also usable against travel (Flights & Hotels) and Rewards Catalogue on SmartBuy at 1 CashPoint = ₹0.25 (up to 50% of booking value for Flights/Hotels).
• Redemption as CashBack against statement: no handling charge.
• Redemption via reward catalogue: ₹99 + Taxes handling charges.
• Unredeemed CashPoints expire after 2 years of accumulation.

Verified · Terms & Conditions – HDFC Bank UPI RuPay Credit Card CashPoints Proposition (Rewards/Program Terms) · 2026-08-01 · source

Reward cap

• Reward Points redemption for flights & hotels bookings capped per calendar month at 50,000 (w.e.f 1st January 2023).
• Reward points redemption for CashBack redemption capped per calendar month to 50,000 rewards points (w.e.f 1st February 2023).
• Cardmembers can redeem up to 70% of product/Voucher value through Reward points on select vouchers/products (w.e.f 1st February 2023).

Verified · Terms & Conditions – HDFC Bank UPI RuPay Credit Card CashPoints Proposition (Rewards/Program Terms) · 2026-08-01 · source

Reward exclusion

Verified · Terms & Conditions – HDFC Bank UPI RuPay Credit Card CashPoints Proposition (Rewards/Program Terms) · 2026-08-01 · source

Eligibility

• Issued only to existing HDFC Bank credit card customers (Visa/Mastercard/Diners) who want a RuPay variant for linking to UPI.
• Applied via MyCards servicing platform.
• No document proof required for applying.
• Issued as a virtual-only card (no physical card).
• Details available on MyCards platform.
• PIN can be set by calling IVR number 1860 266 0333.

Verified · Most Important Terms & Conditions (MITC) – HDFC Bank Personal Credit Cards (English) · 2026-08-01 · source

Official terms

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

Verified · HDFC Bank UPI RuPay Credit Card product page · 2026-08-01 · source

reward redemption rule

• With effect from 1st Jan 2023 reward points redemption for flights & hotels bookings capped at 50,000 per calendar month.
• With effect from 1st Feb 2023 CashBack redemption capped at 50,000 reward points per calendar month.
• Up to 70% of product/Voucher value redeemable on select vouchers/products.

Verified · Terms & Conditions – HDFC Bank UPI RuPay Credit Card CashPoints Proposition (Rewards/Program Terms) · 2026-08-01 · source