M16S / HDFC Bank / HDFC Bank UPI RuPay Biz Credit Card
entry · business, upi
HDFC Bank UPI RuPay Biz Credit Card
The HDFC Bank UPI RuPay Biz Credit Card costs Rs 99 a year, waived if you spend Rs 25,000 in a year. Its base return is 0.25%. The forex markup is 3.5%. It lists no airport lounge access. Read from the issuer's documents and an aggregator on 12 Oct 2026.
- Annual fee
- Rs 99+ GST
- Fee waived at
- Rs 25,000annual spend
- Base return
- 0.25%
- Forex markup
- 3.5%
- Interest
- 3.75%a month
Apply on hdfc.bank.inOpens the bank’s own page.
Fees
| Joining fee | Rs 99 |
|---|---|
| Annual fee | Rs 99 |
| Annual spend that waives the fee | Rs 25,000 |
| Fee notes | Joining/renewal fee Rs 99 + taxes (page labels it a festive season offer); renewal fee waived from year 2 on Rs 25,000 annual spend (HDFC page). |
Rewards
| Reward currency | CashPoints |
|---|---|
| Base earn | 1% CashPoints on other spends, UPI and regular card spends alike (min txn Rs 100) |
| Base return | 0.25% |
| Point value | 1 CashPoint = Rs 0.25 as cashback against statement (page) |
| Accelerated earn | 3% CashPoints on groceries and supermarkets (MCC 5411), dining (MCC 5812, 5814) and PayZapp transactions; 2% on utility bills (MCC 4900) |
| Caps | 500 CashPoints per calendar month in each of the 3%, 2% and 1% tiers (page FAQ) |
| Spends that earn nothing | Fuel, rent, EMI (all types), government, wallet/gift/prepaid card loads and voucher purchases, cash advances, SmartBuy spends; one line on the page also lists insurance (page) |
| Points expiry | 2 years |
| Reward notes | Base return = 1 CashPoint per Rs 100 x Rs 0.25 = 0.25%, both stated on the issuer page. Page says minimum 500 CashPoints for redemption (MITC said 250); CashPoints cover up to 50% of a flight/hotel booking. CashPoints are computed per calendar month, not statement cycle. |
Travel and perks
| Domestic lounge | None |
|---|---|
| International lounge | None |
| Forex markupunverified | 3.5% |
| Fuel surcharge waiver | Not applicable: no fuel surcharge on UPI payments, so no waiver (page FAQ) |
| Other freebies | Up to 50 interest-free days; links to any UPI app |
Charges and eligibility
| Interest per month | 3.75% |
|---|---|
| Late payment fee | On outstanding balance: up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300 (MITC) |
| Cash advance fee | 2.5% of amount, min Rs 500 |
| Eligibility | Issued only as an additional (floater) virtual card to holders of another HDFC Bank credit card; no documents needed. New customers must first take a Visa/Mastercard/Diners primary card. |
| Fine-print notes | Issuer product page read 2026-10-12. Virtual-only card. Forex markup is not stated on the page. Conflicts (issuer page used): reward_exclusions: old list (cardinsider) included education; page lists government and (in one line) insurance instead | reward_notes: old 'min 250 points for cashback' (MITC) vs page FAQ 'minimum 500 CashPoints'. Bank-wide charges per MITC: 1% fee on rent payments (cap Rs 4,999/txn); 1% on utility spends above Rs 50,000/month (Rs 75,000 on business cards); 1% on wallet loads above Rs 10,000/month (PayZapp exempt); 1% on fuel spends above Rs 15,000/month (Rs 30,000 business); 1% on online skill gaming above Rs 10,000/month; 1% on education paid via third-party apps; 1% + GST on railway tickets; 1.75% markup on INR transactions at overseas merchants from 15 May 2026. Points lapse if the card is unused for 365 days. |
Questions
- What is the annual fee of the HDFC Bank UPI RuPay Biz Credit Card?
- Rs 99 a year, before GST. It is waived if you spend Rs 25,000 in a year.
- Does the HDFC Bank UPI RuPay Biz Credit Card give airport lounge access?
- No lounge access is listed for this card.
- What is the forex markup on the HDFC Bank UPI RuPay Biz Credit Card?
- 3.5% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the HDFC Bank UPI RuPay Biz Credit Card?
- Fuel, rent, EMI (all types), government, wallet/gift/prepaid card loads and voucher purchases, cash advances, SmartBuy spends; one line on the page also lists insurance (page)