← Back to cards
HDFC Bank UPI RuPay / HDFC Bank UPI RuPay Biz / HDFC Bank UPI RuPay Mega Saver Credit Card
by HDFC · RuPay · Entry · Business
Fees & charges
Joining fee₹99
Annual fee₹99
Fee waiverNo fee waiver
Forex markup0%
Finance charge3.75% p.m. (45% p.a.)
Cash advance fee2.5% of the amount withdrawn or ₹500, whichever is higher
Late payment fee
| <=₹100 | Nil |
| ₹101 to ₹500 | ₹100 |
| ₹501 to ₹1,000 | ₹500 |
| ₹1,001 to ₹5,000 | ₹600 |
| ₹5,001 to ₹10,000 | ₹750 |
| ₹10,001 to ₹25,000 | ₹900 |
| ₹25,001 to ₹50,000 | ₹1100 |
| More than ₹50,000 | ₹1300 (excl. GST, w.e.f 1st Oct 2025) |
Rewards & Lounge access
Rewards3% CashPoints on Groceries, SuperMarket, Dining and PayZapp transactions; 2% on utility spends; 1% on other spends (max 500 CashPoints per category per month); 1 CashPoint = Rs.0.25
Lounge accessNot applicable
NetworkRuPay
CategoryEntry
Card typeBusiness
Key features
- 3% CashPoints on Groceries, SuperMarket, Dining and PayZapp transactions; 2% on utility spends; 1% on other spends (max 500 CashPoints per category per month); 1 CashPoint = Rs.0.25