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HDFC Bank UPI RuPay Credit Card VS RBL Bank Novio Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 18 July 2026

RBL Bank Novio charges ₹500 + GST and earns 2X Reward Points on online spends with UPI compatibility. HDFC Bank UPI RuPay charges a much lower ₹99 + GST and is purpose-built for UPI linking, earning up to 3% cashback on groceries, dining, and PayZapp. For a UPI-first spender, the HDFC card's lower fee and higher, category-specific cashback rate make it the more efficient first card; Novio's higher fee only pays off if its broader online-spend rewards suit your habits better.

HDFC Bank UPI RuPay Credit Card
HDFC Bank UPI RuPay Credit Card
RBL Bank Novio Credit Card
RBL Bank Novio Credit Card

Fees & Charges

Joining Fee₹99 + GST
Joining Fee₹500 + GST
Renewal Fee₹99 + GST
Renewal Fee₹500 + GST
Spend Based WaiverRenewal fee waived on spending ₹25,000+ in an annual year before renewal date.
Spend Based Waiver
Foreign Transaction Fees3.5% of the transaction amount.
Foreign Transaction Fees3.5%
Interest Rate (APR)3.6% per month or 43.2% per annum on revolving credit.
Interest Rate (APR)3.99% per month (47.88% annually)

Rewards & Benefits

Welcome BonusNot Applicable
Welcome BonusReceive 2,000 Reward Points when you make purchases of ₹5,000 within 30 days of card issuance.
Rewards RateEarn 3% on Groceries, Supermarket, Dining, PayZapp; 2% on Utilities; 1% on other spends.
Rewards RateEarn 2 Reward Points per ₹100 for all online spends; 1 Reward Point per ₹100 for offline spends.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption Fee₹99 + GST per redemption.
Reward Redemption Fee₹99 + GST

Travel & Lifestyle

Domestic Lounge AccessNot Applicable
Domestic Lounge Access
International Lounge AccessNot Applicable
International Lounge Access
Travel BenefitsNot Applicable
Travel Benefits
Movie BenefitsNot Applicable
Movie Benefits
Dining BenefitsEarn 3% Cashpoints on dining spends, capped at 500 Cashpoints monthly.
Dining Benefits
Golf BenefitsNot Applicable
Golf Benefits
Fuel Surcharge WaiverNot Applicable.
Fuel Surcharge Waiver1% or ₹10, whichever is higher

Security & Other

Insurance BenefitsNot Applicable
Insurance Benefits
Cash Advance Charges2.5% of withdrawal amount or ₹500, whichever is higher.
Cash Advance Charges2.5% of Cash Amount (minimum ₹500)
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

HDFC Bank UPI RuPay Credit Card

RBL Bank Novio Credit Card

Who is it for?

The HDFC Bank UPI RuPay Credit Card is the first credit card introduced by HDFC Bank that allows cardholders to link it with their UPI ID for seamless transactions on popular UPI applications. Designed for convenience and easy credit, this virtual card offers up to 3% Cashpoints on specific UPI and regular spend categories, with a low annual fee and spend-based waiver.

Who is it for?

The RBL Bank Novio Credit Card is an affordable and budget-friendly option, particularly suitable for first-time credit card users. Operating on the RuPay Select network, it offers enhanced rewards for online transactions and provides convenient UPI payment support. It comes with a generous welcome bonus and valuable milestone rewards, making it an excellent choice for earning rewards on regular domestic transactions.

Pros

Key benefits and features.

Earn CashPoints on both regular credit card payments and UPI transactions.

Offers up to 3% Cashpoints on grocery, supermarket, dining, and PayZapp spends.

Issued as a virtual card, providing convenience by eliminating the need for a physical card.

Low annual fee of ₹99 + GST with a spend-based waiver option.

Pros

Key benefits and features.

The RBL Bank Novio Credit Card offers 2x rewards on all online spending.

Cardholders can earn valuable annual milestone benefits for bonus points.

It is a budget-friendly credit card option with a low annual fee.

The RBL Bank Novio Credit Card supports UPI payments for added convenience.

Cons

Key drawbacks and limitations.

Benefits are primarily focused on UPI payments and cashback, with limited other perks.

Several spend categories are explicitly excluded from earning Cashpoints.

Cons

Key drawbacks and limitations.

The RBL Bank Novio Credit Card lacks additional lifestyle perks or discounts.

Limited international acceptance compared to major networks like Visa or MasterCard.

A rewards redemption fee of ₹99 + GST is applicable, reducing the net value of points.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for HDFC Bank UPI RuPay Credit Card(opens in new tab)