HDFC UPI RuPay Credit Card 2025
Save up to ₹18,000+ every year with 3% cashback on every UPI transaction — completely free card!
If you pay via UPI daily, the HDFC UPI RuPay Credit Card is currently the highest cashback UPI card in India!
You get 3% unlimited cashback on every UPI transaction (merchant & P2P), ₹500 Amazon/Flipkart voucher on joining, 1% fuel waiver, instant virtual card, and 100% Lifetime Free — no joining or annual fee ever.
Cashback as direct statement credit — no points, no expiry!
Why This Is The Best UPI Credit Card in 2025?
3% unlimited on all UPI • ₹500 welcome • 100% LTF • Works everywhere RuPay accepted • Instant virtual card
Best for: UPI users, daily payments, merchants, students, everyone who uses PhonePe/GPay
Lifetime Free Forever – No joining or annual fee ever
Card At a Glance
₹0
₹0 (Lifetime Free)
3% on All UPI Spends
₹500 Voucher
RuPay UPI
No
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | Nil |
| Annual Fee | Nil (Lifetime Free) |
| Welcome Benefit | ₹500 Amazon/Flipkart voucher |
| Foreign Currency Markup | 3.5% + GST |
| Interest Rate | 3.6% per month |
| Fuel Surcharge Waiver | 1% (max ₹400/month) |
Detailed Reward Rates (2025)
- 3% unlimited cashback on all UPI transactions (merchant + person-to-person)
- 1% cashback on non-UPI spends
- Cashback credited directly to statement
- Works with PhonePe, Google Pay, Paytm, BHIM, etc.
Airport Lounge Access
No complimentary lounge access (focus on UPI cashback)
Insurance & Protection Benefits
- Zero lost card liability
- Purchase protection up to ₹50,000
- Personal accident cover ₹10 Lakh
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| 3% unlimited cashback on all UPI | No lounge access |
| ₹500 welcome voucher | 3.5% forex |
| 100% Lifetime Free | |
| Works with every UPI app | |
| Instant virtual card |
Eligibility Criteria & Documents Required
- Age: 21–60 years
- Minimum Income: ₹25,000/month salary
- Credit Score: 700+
- Documents: PAN, Aadhaar, selfie (instant approval)
How to Apply Online (5-Minute Process)
- Visit HDFC UPI RuPay page
- Click Apply Now → Enter mobile number
- Instant video KYC
- Virtual card in minutes, physical in 7 days
Final Verdict – Should You Get It in 2025?
If you pay anything via UPI, HDFC UPI RuPay gives you 3% unlimited cashback + ₹500 voucher + zero fee forever — easily ₹15,000–18,000+ real savings yearly. Best UPI credit card in India right now — everyone should have this!
Frequently Asked Questions (FAQs)
3% on all UPI?
Yes, 3% cashback on every UPI transaction — merchant or P2P.
Lifetime free?
Yes, 100% — no joining, no annual fee ever.
Welcome gift?
₹500 Amazon or Flipkart voucher.
Works with my UPI app?
Yes — PhonePe, GPay, Paytm, BHIM — all supported.