Compare : Kotak UPI RuPay Credit Card vs HDFC Bank UPI RuPay Credit Card

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Gift voucher worth Rs. 250 on joining fee payment and card activation within 37 days of card issuance

3 reward points per Rs. 100 on UPI linked credit card transaction and other regular transactions.

Value of 1 reward point = Rs. 0.07

3% CashPoints, up to 500 points per month, on PayZapp transactions, groceries, supermarket and dining spends

2% CashPoints, up to 500 points per month, on utility spends

1% CashPoints, up to 500 points per month, on other spends

1 CashPoint = Rs. 0.25

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Lifetime free virtual credit card

Rewards across online spending categories, including UPI transactions and international spends

Up to 3% CashPoints on card spends, including UPI transactions and utility spends

Accelerated savings on food-related and everyday spends, like groceries, supermarket purchases and dining

Low annual fee with an easily achievable fee waiver condition

Low reward redemption value

No other lifestyle benefit or bonus besides the basic reward rate on card spends

Low rewards redemption value with monthly capping on rewards earnings

Card only offered as a floater card to existing HDFC bank credit cardholders and not independently

Beginners looking for a lifetime free credit card with benefits on UPI transactions

Those who wish to get a card to save on their UPI spends and are looking for incremental rewards on daily household and dining spends