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HDFC UniGo Credit Card
HDFC's flagship UPI-enabled RuPay credit card launched 2024. Earns rewards on every QR-scan purchase — Kirana, Swiggy, fuel, transport — places only debit cards reached before. Sub-₹500 fee positions it as the mainstream UPI-credit entry point.
Secure application on HDFC Bank's official site
"This card offers a balanced mix of rewards and benefits. Consider your spending patterns carefully - if you spend heavily in the card's bonus categories, it can deliver excellent value. Always compare with alternatives before applying."
Priya Sharma
Senior Financial Analyst
How to Apply for HDFC UniGo Credit Card
Is It Worth It? (Quick Math)
Worth the fee!
You gain ₹9,000 per year value after fees.
Check Eligibility
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This is an indicative check. Final approval depends on bank's assessment.
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Key Features
- Lowest entry fee for a UPI-credit RuPay card from a top-4 bank
- 2% UPI rewards meaningful for daily kirana + food + transport spend
- Issued instantly for existing HDFC account holders
- Linked to existing HDFC NetBanking — single relationship
- No category cap on UPI rewards (unlike HSBC Live+)
Rating Overview
Eligibility Criteria
Age
21+ Years
Income
₹0.3L / year
Documents
Rewards Program
HDFC UniGo Credit Card Rewards
Earn 2 points per ₹150 spent. Redemption value: Variable
| Category | Reward Rate | Points / ₹150 | Est. Value | Cap |
|---|---|---|---|---|
| General Spends | 2 points/₹150 | 4 | ₹1 | Check T&C |
| AcceleratedBest | 5x - 10x points | 10 | ₹2.50 | Check T&C |
Annual Fee Break-even: Spend ₹30,000 in the best category to earn rewards equal to the ₹500 annual fee | ||||
Rate
2 points/₹150
Pts/₹150
4
Value
₹1
Rate
5x - 10x points
Pts/₹150
10
Value
₹2.50
Rewards Calculator
See if this card's rewards justify the annual fee
Benefits Breakdown
Core Benefits
- •Lowest entry fee for a UPI-credit RuPay card from a top-4 bank
- •2% UPI rewards meaningful for daily kirana + food + transport spend
- •Issued instantly for existing HDFC account holders
- •Linked to existing HDFC NetBanking — single relationship
- •No category cap on UPI rewards (unlike HSBC Live+)
Lifestyle
- •Dining Discounts
- •Movie Offers
Pros
- Lowest entry fee for a UPI-credit RuPay card from a top-4 bank
- 2% UPI rewards meaningful for daily kirana + food + transport spend
- Issued instantly for existing HDFC account holders
- Linked to existing HDFC NetBanking — single relationship
- No category cap on UPI rewards (unlike HSBC Live+)
Cons
- RuPay only — does NOT work for international transactions
- Reward rate drops to 1% outside the 4 named categories
- No lounge access (entry-tier card)
- Excludes fuel, BBPS bills, education from rewards even on UPI
Required Documents
Keep these documents ready before applying for HDFC UniGo Credit Card
Fees & Charges
| Fee Type | Amount |
|---|---|
Joining Fee First year fee | ₹500 |
Annual Fee From second year onwards | ₹500 |
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Frequently Asked Questions
What is the minimum salary for a credit card?
Most banks require a minimum monthly income of ₹15,000 to ₹25,000. For premium cards, the requirement can be ₹50,000+.
How to apply for a Lifetime Free (LTF) credit card?
You can apply for LTF cards directly through our platform. Popular options include Amazon Pay ICICI, IDFC First Millennia, and Dhanlaxmi Bank Platinum.
Can I get a credit card without income proof?
Yes, you can get a secured credit card (like IDFC First WOW) against a Fixed Deposit without showing income proof. This is great for students and homemakers.
Does checking my eligibility affect my credit score?
No. Checking eligibility on our platform is a 'Soft Inquiry' and does not impact your CIBIL score. Only when you submit a formal application to the bank, a 'Hard Inquiry' is done.
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Ready to upgrade your wallet?
Apply for the HDFC UniGo Credit Card today and start earning rewards on every spend.
● Secure application on HDFC Bank's official site