Question 1

Is HDFC UPI RuPay Credit Card worth the ₹99 annual fee?

Accepted Answer

HDFC UPI RuPay Credit Card has an annual fee of ₹99. The fee can be waived if you spend ₹25k/year. With a base reward rate of 1% (up to 3%),  and a CardTrail Score of 7.4/10, it may suit specific spending patterns.

Question 2

What is the reward rate on HDFC UPI RuPay Credit Card?

Accepted Answer

HDFC UPI RuPay Credit Card offers a base reward rate of 1% on regular spends, going up to 3% on select categories. Rewards are earned as CashPoints. New cardholders also get a welcome bonus of ₹250 gift voucher.

Question 3

Does HDFC UPI RuPay Credit Card have airport lounge access?

Accepted Answer

No, HDFC UPI RuPay Credit Card does not include complimentary airport lounge access.

Question 4

What is the forex markup on HDFC UPI RuPay Credit Card?

Accepted Answer

HDFC UPI RuPay Credit Card charges zero forex markup on international transactions, making it one of the best cards for foreign currency spends. You save the typical 1.5–3.5% markup that most cards charge, plus GST on that markup.

Question 5

HDFC UPI RuPay Credit Card vs Fibe Axis Bank Credit Card — which is better?

Accepted Answer

HDFC UPI RuPay Credit Card (CardTrail Score: 7.4/10) and Fibe Axis Bank Credit Card (Score: 8.9/10) are both entry level cards. HDFC UPI RuPay Credit Card by HDFC has a ₹99 fee with 1% base rewards, while Fibe Axis Bank Credit Card by Axis has a no annual fee with 1% base rewards. Use our comparison tool for a detailed side-by-side analysis.

HDFC UPI RuPay Credit Card

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