HDFC BankRuPayRupay Credit Card
3.6NeoFinQ editorial rating
UPI-compatible RuPay credit card
- No annual fee
- UPI compatibility
- Joining fee
- ₹250
- Annual fee
- ₹250
- Reward type
- points
- Best for
- UPI
- Est. rewards
- ₹18,000/yr
Our verdict
Basic RuPay card for UPI credit card usage.
Perfect for
- UPI credit card users
Not ideal for
- Premium seekers
Pros & cons
- No annual fee
- UPI compatibility
- Limited rewards
Rewards
3% CashPoints on Groceries, Supermarket, Dining, and PayZapp (capped at 500); 2% on Utility (capped at 500); 1% elsewhere (capped at 500). Total monthly cap of 500 applies to the aggregate of 3% and 2% categories.
| Category | Earn rate |
|---|---|
| Groceries | 5% |
| Utilities | 5% |
Fees & charges
| Joining fee | ₹250 |
| Annual fee | ₹250 |
| Renewal fee | ₹250 |
Eligibility
Employment
Salaried / Self Employed
Similar cards
AU Small Finance BankVetta Credit Card
Lounge3.9
Annual Fee
₹2,999
Est. Rewards
₹19,500/yr
AU Small Finance BankAltura Credit Card
Cashback3.6
Annual Fee
₹199
Est. Rewards
₹18,000/yr
HDFC BankTata Neu Plus Credit Card
Travel4.3
Annual Fee
₹499
Est. Rewards
₹21,500/yr
HDFC BankBiz Grow Credit Card
Lounge4.2
Annual Fee
₹1,000
Est. Rewards
₹21,000/yr
Not sure this is the one?
Let NeoFinQ check the fit — answer a few questions about your spending and we'll rank every card for you. 60 seconds, no credit-score impact.
Find My Best CardRupay Credit Card
Annual fee ₹250