HDFC RuPay UPI Credit Card vs ICICI RuPay UPI Credit Card
Net value is estimated on a sample monthly spend, ranked by value not commission.
Verdict
On our reference spend profile, ICICI RuPay UPI Credit Card comes out ahead on estimated net value — about ₹19,440/yr more than the HDFC RuPay UPI Credit Card. Your own spending pattern can change this — run the numbers in the rewards calculator.
| Attribute | HDFC RuPay UPI Credit Card | ICICI RuPay UPI Credit Card Best valuePopular |
|---|---|---|
| Issuer | HDFC Bank | ICICI Bank |
| Annual fee | No annual fee | No annual fee |
| Welcome bonus | — | — |
| Min. income (monthly) | INR 25,000 | INR 25,000 |
| Reward type | cashback | rewards |
| Headline rate | 3% cashback | 2% cashback |
| Bonus categories | groceries, upi_spends | utilities, upi_spends |
| Lounge access | No | No |
| Foreign tx fee | 3.5% | 3.5% |
| Est. net value / yr | ₹8,880 | ₹28,320 |
| Apply | Apply |
Frequently asked questions
- HDFC RuPay UPI Credit Card vs ICICI RuPay UPI Credit Card: which is better?
- On our reference spend profile the ICICI RuPay UPI Credit Card delivers higher estimated net value than the HDFC RuPay UPI Credit Card in India, so it wins on value. Your own spending pattern may change the result — run both through the rewards calculator.
- What is the annual fee difference between HDFC RuPay UPI Credit Card and ICICI RuPay UPI Credit Card?
- HDFC RuPay UPI Credit Card: No annual fee. ICICI RuPay UPI Credit Card: No annual fee.
- Which earns more rewards, HDFC RuPay UPI Credit Card or ICICI RuPay UPI Credit Card?
- HDFC RuPay UPI Credit Card earns 3% cashback; ICICI RuPay UPI Credit Card earns 2% cashback. We rank by net value after fees, not headline rate alone.