Verified — 16/16 categories
HDFC · RuPay
HDFC UPI RuPay
Best forGroceries & Dining
Earns3% CashPoints on groceries
1st Year / Joining Fee
₹99 + taxes
Renewal Fee
Not recorded
Fee waiver
₹25,000
annual spend
Network
RuPay
HDFC
HDFC UPI RuPay
RuPayWhy this card may suit you
Based on the card's verified terms.
- Best suited to spending on groceries and dining, where it earns 3% CashPoints
- Annual fee is waived at ₹25,000 yearly spend
How you earn
Reward rates at a glance — exactly as recorded for this card.
Groceries3% CashPoints
Dining3% CashPoints on dining
Utilities2% CashPoints
Shopping1% CashPoints
All 16 reward categories · 16 of 16 categories verified
| Category | Rate | Cap | Condition |
|---|---|---|---|
| Rent | No reward | — | —Details
|
| Education | No reward | — | —Details
|
| Insurance | No reward | — | —Details
|
| Utilities | 2% CashPoints | 500 CP per month | 2% CashPoints on utilities capped at 500 CP/month via UPIDetails
|
| Fuel | No reward | — | —Details
|
| Groceries | 3% CashPoints | 500 CP per month | 3% CashPoints on groceries capped at 500 CP/monthDetails
|
| Dining | 3% CashPoints on dining | — | 3% CashPoints on dining capped at 500 CP/month via UPIDetails
|
| Food Delivery | — | — | HDFC verified rule for Food DeliveryDetails
|
| Shopping | 1% CashPoints | 500 CP per month | HDFC verified rule for ShoppingDetails
|
| Travel | — | — | HDFC verified rule for TravelDetails
|
| Government | No reward | — | —Details
|
| Wallet | No reward | — | —Details
|
| Railways | — | — | Railways transactions earn standard base rewardDetails
|
| FASTag | — | — | HDFC verified rule for FASTagDetails
|
| Jewellery | — | — | HDFC verified rule for JewelleryDetails
|
| Telecom | — | — | HDFC verified rule for TelecomDetails
|
“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.
Cost & caps
What it costs to hold, and where rewards stop.
1st Year / Joining Fee
₹99 + taxes
Renewal Fee
Not recorded
Fee waiver
₹25,000
annual spend
Reward caps
- Groceries — 500 CP / month (per category — Groceries)
- Utilities — 500 CP / month (per category — Utilities)
- Shopping — 500 CP / month (per category — Shopping)
Spending thresholds
- Spend ₹25,000 per card year → annual fee waived
Key benefits
Rewards
3% CashPoints on groceries
Fee waiver
Annual fee waived on ₹25,000 annual spend
Important to know
Limits and exclusions that change what you earn.
- Groceries rewards are capped at 500 CP / month (per category — Groceries)
- Utilities rewards are capped at 500 CP / month (per category — Utilities)
- No reward on: Rent, Education, Insurance, Fuel +2 more
- Spend ₹25,000 per card year → annual fee waived
Who should consider this card
✓ Good fit if
- Your spending is concentrated in groceries, dining, utilities
- You can reach the ₹25,000 annual spend that waives the fee
△ Less useful if
- Much of your spending is in rent, education, insurance, which earn nothing
- You cannot reach the fee-waiver spend and would pay the annual fee
Full details
Everything else, expanded on demand.
Caps & exclusions · 3 caps · 6 no-reward categories
Caps
- Groceries — 500 CP / month (per category — Groceries)
- Utilities — 500 CP / month (per category — Utilities)
- Shopping — 500 CP / month (per category — Shopping)
Categories with no reward or not eligible
- Rent — No reward.
- Education — No reward.
- Insurance — No reward.
- Fuel — No reward.
- Government — No reward.
- Wallet — No reward.
Milestones · 1 recorded
- Spend ₹25,000 per card year → benefit worth ₹99 — Annual fee waiver on spending ₹25,000 in a year.
Eligibility
Subject to HDFC's underwriting and eligibility criteria. See the issuer's terms for current requirements.
Specifications
- Payment network: RuPay
- Airport lounge: Not recorded by DhanChakshu — check the issuer terms
- Fuel surcharge waiver: Not recorded by DhanChakshu — check the issuer terms
- Foreign-currency markup: Not recorded by DhanChakshu — check the issuer terms
What DhanChakshu couldn't fully verify · 3 areas
3 areas need further verification. None of these are counted as zero.
- • Lounge benefit — not recorded; check the issuer terms
- • Fuel surcharge waiver — not recorded; check the issuer terms
- • Foreign-currency markup — not recorded; check the issuer terms
Sources & verification
Verification & sources · last checked 2026-09-22
Verification coverage: All 16 categories verified
Card record last checked: 2026-09-22
Documents used
3/2/1% CashPoints, MCCs, caps, exclusions, redemption · HDFC-PASS6-13