HDFC Bank UPI RuPay Credit Card

Verified against the issuer’s page on 27 August 2026 (source). Benefits change; confirm on the bank’s page before you apply.

What the card gives you

Base earn

2% back

Points expiry

24 mo

Grocery accelerated

3%

Other accelerated

2%

The fine print that matters

Accelerated grocery

3% cashback feature? CashPoints of 3% will be calculated basis the Merchant Category Code (MCC) shared by the RuPay network. If in case the MCC is not available

Accelerated other

2% cashback feature? CashPoints of 2% will be calculated basis the Merchant Category Code (MCC) shared by the RuPay network. If in case the MCC is not available