HDFC Bank UPI RuPay Biz Credit Card

The HDFC Bank UPI RuPay Biz Credit Card is a business-focused credit card that integrates UPI payment convenience with credit card reward benefits. It is designed for cardholders who want to earn CashPoints on everyday spends — including groceries, utilities, dining and more — while enjoying up to 50 days of interest-free credit. This card is primarily issued as a virtual credit card that can be linked to UPI apps for simplified transaction experiences and seamless rewards

HDFC Bank UPI RuPay Biz Credit Card

Joining Fees	>₹250
Annual Fees	>₹250
Card Type	Rewards
Network Type	Rupay

Rewards & Benifits

3% CashPoints on groceries, supermarket, dining and PayZapp transactions
2% CashPoints on utility bill payments
1% CashPoints on other eligible spends
Up to 50 days of interest-free credit
Virtual card enabled for UPI transactions

Fees & Charges

Joining fee: ₹250 + applicable taxes
Renewal fee: ₹250 + applicable taxes
Renewal fee waived on annual spends of ₹25,000+
Foreign transaction fee: 3.50% of transaction amount
Balance transfer fee: ₹250 or 1% of transfer amount, whichever is higher
Card reissue fee: ₹100 for lost/damaged card

Card Details

Virtual credit card for business use
Linkable to UPI apps for payments
Earn CashPoints on both UPI and regular spends
Manageable via HDFC Bank MyCards platform
Reward points can be redeemed for statement credit or vouchers

Pros & Cons

Reward earning on UPI + regular spends
Interest-free period up to 50 days
Renewal fee waivable with annual spend
Virtual and secure UPI integration

Annual fee applies if spend threshold not met
No physical card delivery by default
Reward rates capped monthly
Limited specified reward categories

ELIGIBILITY CRITERIA

• Minimum age: 21 years.
• Maximum age: 65 years.
• Clean loan repayment record preferred.
• Application available online (NetBanking/Mobile/Website).
• Only Indian citizens eligible; NRIs not eligible.

WELCOME BENEFITS

No welcome or joining perks are specifically mentioned on the official page.
No welcome benefits listed on the official page.

CARD REVIEW

The HDFC Bank UPI RuPay Biz Credit Card is ideal for business owners and professionals who make frequent UPI and everyday digital payments. Its rewards structure — offering up to 3% CashPoints on key categories — can provide meaningful value for regular spends like groceries, utilities, and dining. The card’s virtual nature and easy UPI integration make it convenient for tech-savvy users who prioritize contactless payments.

Value for money is strengthened by the fee waiver opportunity when annual spends meet ₹25,000, though cardholders who spend less may incur the annual fee. Some limitations include relatively capped rewards, lack of a physical card by default, and fewer lifestyle benefits compared to premium business cards. Overall, it suits small business users focused on UPI spend rewards.

Platform

Platform Overview

Skara Financial Services

Personal Loan

Home Loan

Business Loan

Vehicle Loan

HDFC Bank UPI RuPay Biz Credit Card