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RBL Bank QuickPay Credit Card VS HDFC Bank UPI RuPay 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: 21 July 2026

Both are near-identically priced, UPI-focused entry cards. RBL Bank QuickPay charges ₹99 + GST with a simple 1 Reward Point per ₹200 and a 20% cashback welcome offer on first UPI transactions. HDFC Bank UPI RuPay also charges ₹99 + GST but earns a stronger ongoing 3% cashback on groceries, dining, and PayZapp specifically. At the same fee, HDFC's UPI RuPay card's higher and more targeted ongoing reward rate generally delivers more value once the welcome offer is spent; QuickPay's edge is purely in that first-transaction welcome bonus.

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RBL Bank QuickPay Credit Card
RBL Bank QuickPay Credit Card
HDFC Bank UPI RuPay Credit Card
HDFC Bank UPI RuPay Credit Card

Fees & Charges

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

Rewards & Benefits

Welcome BonusEnjoy 20% cashback on your first two UPI transactions, capped at ₹50, within 15 days of card issuance.
Welcome BonusNot Applicable
Rewards RateEarn 1 Reward Point for every ₹200 spent on eligible transactions.
Rewards RateEarn 3% on Groceries, Supermarket, Dining, PayZapp; 2% on Utilities; 1% on other spends.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption Fee
Reward Redemption Fee₹99 + GST per redemption.

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge AccessNot Applicable
International Lounge Access
International Lounge AccessNot Applicable
Travel Benefits
Travel BenefitsNot Applicable
Movie Benefits
Movie BenefitsNot Applicable
Dining Benefits
Dining BenefitsEarn 3% Cashpoints on dining spends, capped at 500 Cashpoints monthly.
Golf Benefits
Golf BenefitsNot Applicable
Fuel Surcharge Waiver1% waiver on fuel surcharge
Fuel Surcharge WaiverNot Applicable.

Security & Other

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

RBL Bank QuickPay Credit Card

HDFC Bank UPI RuPay Credit Card

Who is it for?

The RBL Bank QuickPay Credit Card is an entry-level credit card from RBL Bank, ideal for beginners establishing credit history. It features an affordable ₹99 + GST fee and focuses on basic reward points, including a 20% cashback on initial UPI transactions. This card serves as a digital-first companion for online and UPI-based transactions, offering a simple stepping stone into credit without extensive lifestyle perks.

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.

Pros

Key benefits and features.

The RBL Bank QuickPay Credit Card features a very low joining fee of just ₹99 + GST.

New users receive an attractive 20% cashback welcome offer on their initial UPI transactions.

It offers a straightforward rewards structure, earning 1 Reward Point for every ₹200 spent.

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.

Cons

Key drawbacks and limitations.

The RBL Bank QuickPay Credit Card lacks premium benefits like lounge access, dining, or travel perks.

Reward point accrual is excluded for many common categories such as fuel, utilities, and insurance.

The card has a relatively low reward rate, offering limited value on general spending.

Eligibility for the QuickPay Credit Card is restricted to existing RBL Bank cardholders.

A separate fee of ₹250 + GST is charged for the issuance of a physical card.

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.

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 RBL Bank QuickPay Credit Card(opens in new tab)Apply for HDFC Bank UPI RuPay Credit Card(opens in new tab)