HDFC
HDFC Bank UPI RuPay Credit Card
Entry-level card · No lounge access · fee waiver threshold ₹25,000 · 3.5% forex markup.
The HDFC Bank UPI RuPay Credit Card is issued by HDFC. Use this page to compare key benefits, fees & charges, lounge access, rewards, and forex markup — then compare with similar cards.
High forex No lounge access Low annual fee Supports UPI
- Low annual fee ₹99 annual fee
- Supports UPI Supports UPI via RuPay network.
Example usage at this monthly spend
₹
- At this monthly spend, you'd earn: ~₹130/month (base rewards)
- ~₹1,560/year back · net +₹1,460 after ₹99 fee
- Fee waiver achievable at this spend
- Forex cost ~₹1,750 per ₹50k international spend
Illustrative only, using current base rates and snapshot data.
Annual fee
₹99
Lounge
No lounge access (domestic)
Reward rate
1 pts/₹100
Below median base earn (0.3% vs ~1%).
Confidence: High
Verify with issuer (opens in new tab)Card snapshot
| Annual fee | ₹99 |
|---|---|
| Joining fee | ₹99 |
| Forex fee | 3.5% What is this? |
| Lounge access | No lounge access |
| Reward rate | 1% base cashback (on eligible spend) |
Real-world usage examples
- Less suited to international transactions because forex markup is 3.5%.
Annual fee break-even math
At base earn rates, you need roughly ₹40K in yearly spend to offset the ₹99 annual fee.
Key Benefits
Lounge Access
- Domestic visits
- No lounge access
- International visits
- Not available in current snapshot
Rewards
- Points per ₹100
- 1 pts
- Effective earn
- 1% cashback
Fees & Charges
Fees
- Annual fee
- ₹99
- Joining fee
- ₹99
- Fee waiver spend
- ₹25,000 Below catalog median waiver (₹3,00,000 vs ₹25,000).
International Use
- Forex markup
- 3.5%
- Product tier
- Entry-level
Best For
- Low annual fee
- Supports UPI
Explore: best credit cards in India · low forex cards · zero forex cards · forex markup (learn) · reward rate (learn) · lounge access cards
Drawbacks
- High forex markup (3.5%)
- No domestic lounge access
Compare with similar cards
Open the closest side-by-side options in this tier before you apply.
- Axis Bank ACE Side-by-side compare Axis Bank ACE vs HDFC Bank UPI RuPay
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- SBI Card SimplyCLICK Visa Side-by-side compare SBI Card SimplyCLICK Visa vs HDFC Bank UPI RuPay
Latest update
- Snapshot refreshed on 25 April 2026 (today).
- Annual fee on file: ₹99.
- Forex markup currently listed at 3.5%.
- No lounge access is on file in the latest refinery snapshot.