HDFC Bank UPI Rupay Credit Card
Shopping
Rewards
Cashback
Calculate Reward
Compare this Card
Best for: UPI Payments and Everyday Spending. Card offers easy UPI payments and rewards on daily purchases.
Lounge Access: No
Joining Fee: ₹250 + GST
Annual Fee: ₹250 + GST
Foreign Transaction Fee: ₹3.5% + GST
Interest Rates : 45% annually
Lounge Access: No
Min Credit Score: 3
Minimum Salary: ₹20000
Minimum Business Income: ₹400000
The HDFC Bank UPI RuPay Credit Card is a cutting-edge virtual card that merges the convenience of UPI transactions with traditional credit card benefits. For a joining fee of just INR 99, this card offers lucrative cash points on a variety of spending categories, including groceries and dining. Financial flexibility is a key feature, with an interest-free period of up to 50 days and a waived annual fee for those who spend INR 25,000 or more in a year. Aimed at both salaried and self-employed individuals, this card offers an all-in-one solution for modern spending habits. Get set to amplify your rewards and simplify your financial life with this standout offering from HDFC Bank.
Features
- Earn 3% cash points on groceries, supermarkets, dining, and PayZapp transaction expenses. (A cap of 500 points can be accumulated in one calendar month).
- By spending more than ₹25,000 in a year, you can have the renewal membership fee revoked.
- Enjoy an interest-free period of up to 50 days with your HDFC Bank UPI RuPay Credit Card from the purchase date.
Welcome Offer
Rewards
- Earn 1 reward point for every ₹200 spent on general categories.
- Earn 2 reward points for every ₹100 spent via UPI transactions.
Redeemption Rate
- Cashback (1RP = ₹0.25)
- Gift Cards (1RP = ₹0.5)
Calculate Reward
Pros
- Easy UPI Integration: Enables seamless UPI payments directly through the credit card.
- Reward Points/Cashback: Offers reward points or cashback on various transactions like shopping, dining, etc.
- Contactless Payments: Supports contactless payments for quick and secure transactions.
- Wide Acceptance in India: RuPay enjoys a wide acceptance network within India.
- Credit Building: Helps in building or improving credit score with responsible usage.
Cons
- Limited Acceptance: RuPay cards have limited acceptance internationally compared to Visa or Mastercard.
- Eligibility Criteria: The eligibility criteria may vary and might not be accessible to everyone.
- Fees and Charges: May have annual fees, late payment fees, etc. which needs careful consideration.
- Interest Rates: High interest rates if not paid on time.
- Dependence on HDFC Bank Account: Requires a linked HDFC Bank account for managing the card which limits users from other banks to access this card
Frequently Asked Questions
Yes, the HDFC Bank UPI Rupay Credit Card allows you to make contactless payments using your phone's UPI app, offering a secure and convenient payment method.
The HDFC Bank UPI RuPay Credit Card offers a range of benefits, including cashback rewards, discounts at partner merchants, and the convenience of UPI-based transactions. Specific benefits are subject to change, please check the latest terms and conditions on the HDFC Bank website.
To check your HDFC Bank UPI RuPay Credit Card balance, you can log in to your HDFC Bank netbanking account, use the mobile banking app, or contact HDFC Bank customer service.
Yes, you can use your HDFC Bank UPI RuPay Credit Card for online transactions as well as in-store purchases at any merchant accepting RuPay cards.
The interest rate on HDFC Bank UPI RuPay Credit Card is variable and depends on various factors. Please check the terms and conditions available on the HDFC bank website or contact customer service for the latest details.