Is HDFC Bank UPI RuPay Credit Card lifetime free?

HDFC Bank UPI RuPay Credit Card is lifetime free with no annual fee.

What rewards does HDFC Bank UPI RuPay Credit Card offer?

Apply now for HDFC’s UPI RuPay Credit Card. Earn up to 3% CashPoints on groceries, dining & utility bills. Just ₹99/year with ₹250 welcome voucher!

No complimentary lounge access is currently listed for this card.

HDFC • RuPay

Verified 12 Feb 2026VerifiedHigh confidence2 sources checked

Get it if

Route routine QR and UPI merchant payments here, especially groceries/dining/utility until monthly caps are approached

Skip it if

Category rewards are capped monthly, so heavy UPI users can hit limits early in cycle

For Travel & lounge access. 0.5% on general spend. No annual fee. Skip it for lounge access.

Quick Overview

You should be able to scan the fee, waiver rule, best use case, lounge condition, and biggest downside in one pass.

Why get it

Travel & lounge access

HDFC UPI RuPay Mega Saver is optimized for UPI-linked credit card behavior with category-led CashPoints economics.
Published structure emphasizes higher rewards for groceries/supermarket/dining and utility, but with monthly point caps per bucket.
Route routine QR and UPI merchant payments here, especially groceries/dining/utility until monthly caps are approached.
Use another card for categories excluded from reward earning (for example rent/wallet/fuel/insurance/government-heavy flows).

Why skip it

These are the rules and drawbacks most likely to make the card feel disappointing after signup.

Annual FeeFreeNo annual fee.

Spend to Waive FeeNot neededThis card is lifetime free.

Best Category Return0.5%General spend

Lounge Access ConditionNo accessNo lounge access listed.

How to use the card well, and what to watch before applying.

Route routine QR and UPI merchant payments here, especially groceries/dining/utility until monthly caps are approached.
Use another card for categories excluded from reward earning (for example rent/wallet/fuel/insurance/government-heavy flows).
Track monthly capped buckets and shift incremental spend once cap saturation begins.

Category rewards are capped monthly, so heavy UPI users can hit limits early in cycle.
Reward exclusions on several spend categories can reduce expected return if spends are not classified correctly.
Card-link and PIN setup flow is mandatory for UPI, and operational setup gaps can delay realization of benefits.

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