{
  "id": "hdfc-upi-rupay-credit-card",
  "locale": "hinglish",
  "name": "HDFC UPI RuPay Credit Card",
  "bank": "HDFC Bank",
  "cardType": "entry-level",
  "cardTier": "entry",
  "annualFee": "₹250 + GST",
  "loungeAccess": "No lounge access",
  "rewardsRate": "3% on Grocery/Supermarket UPI · 2% on Utility Bills · 1% on Other UPI · ₹25k Waiver",
  "bestFor": "Virtual digital credit card, UPI QR merchant scan & pay, daily neighborhood grocery purchases",
  "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 annual spend par fee waive",
  "networks": [
    "RuPay"
  ],
  "quickFacts": [
    {
      "key": "Groceries & Supermarket",
      "value": "3% CashPoints"
    },
    {
      "key": "Utility & Dining",
      "value": "2% CashPoints"
    },
    {
      "key": "Other UPI Spends",
      "value": "1% CashPoints"
    },
    {
      "key": "Redemption",
      "value": "1 CashPoint = ₹0.25 Statement"
    },
    {
      "key": "Fee Waiver Target",
      "value": "₹25,000 / year"
    },
    {
      "key": "Annual Fee",
      "value": "₹250 + GST"
    }
  ],
  "earnRates": [
    {
      "category": "Grocery & Supermarket Merchant UPI",
      "rate": "3.0% CashPoints",
      "monthlyCap": "500 pts / mo",
      "perLakhSpent": "3,000 pts (₹750 value)"
    },
    {
      "category": "Utility Bill Payments via UPI",
      "rate": "2.0% CashPoints",
      "monthlyCap": "500 pts / mo",
      "perLakhSpent": "2,000 pts (₹500 value)"
    },
    {
      "category": "All Other Merchant UPI Spends",
      "rate": "1.0% CashPoints",
      "monthlyCap": "500 pts / mo",
      "perLakhSpent": "1,000 pts (₹250 value)"
    },
    {
      "category": "P2P UPI Transfers & Rent",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 pts"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Grocery QR UPI",
      "multiplier": "3.0%",
      "rate": "3% CashPoints",
      "monthlyCap": "500 pts / mo",
      "dailyCap": "—",
      "note": "Supermarkets & food."
    },
    {
      "channel": "Utility Bill UPI",
      "multiplier": "2.0%",
      "rate": "2% CashPoints",
      "monthlyCap": "500 pts / mo",
      "dailyCap": "—",
      "note": "Electricity, water, gas."
    },
    {
      "channel": "Fee Waiver",
      "multiplier": "100%",
      "rate": "₹250 Waived",
      "monthlyCap": "1 / year",
      "dailyCap": "—",
      "note": "Waived at ₹25,000 spend."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Statement Balance Credit",
      "value": "1 pt = ₹0.25",
      "minPoints": "500 pts",
      "ceiling": "None",
      "fee": "₹99 + GST",
      "isBest": true
    },
    {
      "route": "SmartBuy Travel & Vouchers",
      "value": "1 pt = ₹0.25",
      "minPoints": "500 pts",
      "ceiling": "None",
      "fee": "₹99 + GST",
      "isBest": false
    }
  ],
  "exclusions": [
    "Peer-to-peer (P2P) transfers to friends or family.",
    "Rent payments.",
    "Wallet load transactions."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹250 + GST"
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹250 + GST (Waived at ₹25,000 spend)"
    },
    {
      "item": "Forex Markup",
      "value": "3.5% + GST"
    },
    {
      "item": "Finance Charges",
      "value": "3.49% / month (41.88% / year)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age",
      "requirement": "21–60 years"
    },
    {
      "criteria": "Salaried Income",
      "requirement": "₹15,000+ monthly net salary"
    },
    {
      "criteria": "Self-Employed Income",
      "requirement": "ITR above ₹1.8 Lakhs per annum"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}