Joining Fee:
₹99 +GST
Return Percentage:0.5% to 1%
Credit Card Overview
A UPI RuPay Biz card crafted for SMEs, enabling UPI-linked credit transactions, with cashback and rewards on business-related spends.
Best Suited For: Cashback, Catalogue Products
HDFC
Fees and charges at a glance
- Annual fee
- ₹99
- Joining fee
- ₹99
- Reward rate
- 0.5% to 1%
- Forex markup
- 3.5%
- Interest rate
- 45% p.a.
- Add-on card
- Free
Charged every year you keep the card
Paid once when you get the card, plus GST
Depends where you spend
Extra charge on foreign spends
Only if you don't pay the full bill
An extra card for family
HDFC UPI RuPay Biz credit card — Earn Categories
Other categories
- SupermarketShopping · Shopping3 Cashpoints / ₹100
Maximum of 500 Points can be earned in a calendar month. · Minimum ₹100 per transaction
- DiningF&B · Dining3 Cashpoints / ₹100
Maximum of 500 Points can be earned in a calendar month. · Minimum ₹100 per transaction
Everyday rate
- Base Rewards1 CashPoint / ₹100
Minimum ₹100 per transaction
2 more earning categories on this card
We track all 5 of them, with the caps and conditions on each. See the full breakdown against your own spending in the app.
Earns nothing on these
Spends in these categories carry no rewards on this card.
- Education
- Wallets
- Rent
- Fuel
- Jewellery