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Card ManagerCatalog reference — not in your portfolio
All fees, rewards, lounges, and milestones below are ready to be cloned into your portfolio with one click.
HDFC
entry
•••• •••• •••• 0000
UPI RuPay
RuPayHDFC Bank • RuPay• Entry
Annual Fee
₹99
Base Reward Rate
1.00%
Foreign Tx Fee
3.5%
Tier
Entry
Joining Fee
₹99
Verified
2026-06-07T08:39:39.828Z
Domestic & international access details and eligibility criteria
Estimate annual rewards based on your typical monthly spend
Annual earnings
₹9,360
Blended 1.50% effective return
Estimates use this card's best matching rule per category. Caps applied where known. Milestones not included.
First HDFC card linkable to UPI apps (Paytm, PhonePe, GPay, etc.). Issued virtually only, no physical card. Cashpoints redeemable at 1 Cashpoint = Rs 0.25 against statement, or via Smartbuy for flights/hotels (50% value) and products/vouchers (70% value). Interest 3.6%/month. No lounge/golf/insurance/welcome benefits.