Entry Level
Zero Forex
HDFC UPI RuPay Credit Card
HDFC 7.4
CardTrail Score
Very Good
out of 10
Annual Fee
Free
Forex Markup
0%
No extra charge
Reward Rate
1%
Up to 2%
Lounge Access
0
domestic | 0 intl
About This Card
The HDFC UPI RuPay Credit Card is an entry-level credit card from HDFC with lifetime free. It delivers a solid 1.0% reward rate on all spends. Key perks include zero forex markup, fuel surcharge waiver. Best suited for everyday users and first-time card users.
Pros & Cons
Pros
- No annual or joining fee
- Competitive 1.0% reward rate
- Zero forex markup — great for international use
- Fuel surcharge waiver saves on petrol/diesel
Cons
- No complimentary lounge access
Fee Details
Annual Fee
Free
Joining Fee
Free
Fee Waiver Condition
None
Fuel Surcharge Waiver
Yes
EMI Conversion
Yes
Reward Structure
Base Rate
1%
Max Rate
2%
Currency
CashPoints
Welcome Bonus
None
Lounge Access
Domestic Lounges
0
International Lounges
0
Key Highlights
- + Lifetime free — zero annual fee
- + 1.0% reward rate on all spends
- + Zero forex markup on international spends
- + Fuel surcharge waiver at all pumps
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Quick Summary
Best For
general beginners
Annual Fee Free
Base Reward 1%
Max Reward 2%
Forex Markup 0%
Network RuPay
Min Income ₹2L+
CardTrail Score
Best For
general beginners
