{
  "id": "hdfc-upi-rupay-credit-card",
  "locale": "hi",
  "name": "HDFC UPI RuPay Credit Card",
  "bank": "HDFC Bank",
  "cardType": "entry-level",
  "cardTier": "entry",
  "annualFee": "₹250 + GST",
  "loungeAccess": "लाउंज एक्सेस उपलब्ध नहीं",
  "rewardsRate": "ग्रॉसरी/सुपरमार्केट UPI पर 3% · यूटिलिटी बिल पर 2% · अन्य UPI पर 1% · ₹25k शुल्क माफी",
  "bestFor": "वर्चुअल डिजिटल क्रेडिट कार्ड, UPI QR मर्चेंट स्कैन व पे, दैनिक किराने की खरीदारी",
  "officialLink": "https://www.hdfc.bank.in/credit-cards/hdfc-bank-upi-rupay-credit-card",
  "aiVerdict": {
    "score": 4.3,
    "summary": "Its modest reward rate and low annual fee offset the lack of lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "No extracted lounge benefit"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 1,
  "affiliateId": "hdfc-upi-rupay-credit-card",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "LIVE_VERIFIED",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "HDFC Bank — UPI RuPay Credit Card schedule of charges",
    "HDFC Bank virtual RuPay UPI reward points guidelines"
  ],
  "feeWaiver": "₹25,000 वार्षिक खर्च पर शुल्क माफ",
  "networks": [
    "RuPay"
  ],
  "quickFacts": [
    {
      "key": "राशन व सुपरमार्केट",
      "value": "3% CashPoints"
    },
    {
      "key": "यूटिलिटी बिल व डाइनिंग",
      "value": "2% CashPoints"
    },
    {
      "key": "अन्य UPI खर्च",
      "value": "1% CashPoints"
    },
    {
      "key": "रिडेम्पशन",
      "value": "1 CashPoint = ₹0.25 स्टेटमेंट"
    },
    {
      "key": "शुल्क माफी लक्ष्य",
      "value": "₹25,000 / वर्ष"
    },
    {
      "key": "वार्षिक शुल्क",
      "value": "₹250 + GST"
    }
  ],
  "earnRates": [
    {
      "category": "राशन व सुपरमार्केट मर्चेंट UPI",
      "rate": "3.0% CashPoints",
      "monthlyCap": "500 pts / माह",
      "perLakhSpent": "3,000 pts (₹750 मूल्य)"
    },
    {
      "category": "यूटिलिटी बिल भुगतान (UPI)",
      "rate": "2.0% CashPoints",
      "monthlyCap": "500 pts / माह",
      "perLakhSpent": "2,000 pts (₹500 मूल्य)"
    },
    {
      "category": "अन्य सभी मर्चेंट UPI खर्च",
      "rate": "1.0% CashPoints",
      "monthlyCap": "500 pts / माह",
      "perLakhSpent": "1,000 pts (₹250 मूल्य)"
    },
    {
      "category": "व्यक्तिगत UPI ट्रांसफर व किराया",
      "rate": "0%",
      "monthlyCap": "शून्य (Excluded)",
      "perLakhSpent": "0 pts"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "राशन QR UPI",
      "multiplier": "3.0%",
      "rate": "3% CashPoints",
      "monthlyCap": "500 pts / माह",
      "dailyCap": "—",
      "note": "सुपरमार्केट व भोजन।"
    },
    {
      "channel": "यूटिलिटी बिल UPI",
      "multiplier": "2.0%",
      "rate": "2% CashPoints",
      "monthlyCap": "500 pts / माह",
      "dailyCap": "—",
      "note": "बिजली, पानी, गैस।"
    },
    {
      "channel": "शुल्क माफी",
      "multiplier": "100%",
      "rate": "₹250 की छूट",
      "monthlyCap": "1 / वर्ष",
      "dailyCap": "—",
      "note": "₹25,000 खर्च पर पूरी फीस माफ।"
    }
  ],
  "redemptionRoutes": [
    {
      "route": "स्टेटमेंट बैलेंस क्रेडिट",
      "value": "1 pt = ₹0.25",
      "minPoints": "500 pts",
      "ceiling": "कोई सीमा नहीं",
      "fee": "₹99 + GST",
      "isBest": true
    },
    {
      "route": "SmartBuy यात्रा व वाउचर्स",
      "value": "1 pt = ₹0.25",
      "minPoints": "500 pts",
      "ceiling": "कोई सीमा नहीं",
      "fee": "₹99 + GST",
      "isBest": false
    }
  ],
  "exclusions": [
    "व्यक्तिगत UPI ट्रांसफर (P2P Transfers)।",
    "किराया भुगतान (Rent pay)।",
    "वॉलेट लोड।"
  ],
  "feesDetail": [
    {
      "item": "जॉइनिंग शुल्क",
      "value": "₹250 + GST"
    },
    {
      "item": "वार्षिक नवीनीकरण शुल्क",
      "value": "₹250 + GST (₹25,000 खर्च पर माफ)"
    },
    {
      "item": "फॉरेक्स मार्कअप",
      "value": "3.5% + GST"
    },
    {
      "item": "रिवॉल्विंग ब्याज दर",
      "value": "3.49% प्रति माह (41.88% वार्षिक)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "आयु सीमा",
      "requirement": "21 से 60 वर्ष"
    },
    {
      "criteria": "वेतनभोगी आय",
      "requirement": "₹15,000+ प्रति माह शुद्ध वेतन"
    },
    {
      "criteria": "स्वरोजगार आय",
      "requirement": "₹1.8 लाख से अधिक का ITR"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}