The HDFC Bank UPI RuPay Credit Card provides a seamless blend of UPI transaction convenience and traditional credit card rewards. For a nominal joining fee of INR 99, cardholders enjoy attractive cashback rewards on diverse spending categories, such as groceries and dining. This card offers significant financial flexibility, including an interest-free period of up to 50 days and a waived annual fee for annual spend exceeding INR 25,000. Designed for both salaried and self-employed individuals, the HDFC Bank UPI RuPay Credit Card offers a comprehensive solution for managing modern financial needs, maximizing rewards, and simplifying financial administration.
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.
Card Fee & Charges
| Title | Details |
| Joining Fee | ₹ 250 /-*Applicable Taxes |
| Annual Fee | ₹ 250 /-*Applicable Taxes |
| Finance Charges | 3.5% p.m. (47.40% p.a.) |
| Late Payment Charges | For Statement Balance:
Up to Rs. 100 – Nil |
HDFC Bank UPI Rupay Credit Card Eligibility Criteria
The applicant must meet the below eligibility criteria to apply for credit card:
| Criteria | Details |
| Occupation | Salaried or Self-employed |
| Minimum & Maximum age of the applicant | 21 to 65 years (or till retirement age) |
| Minimum Income Required | Rs. 20,000 per month |
| ITR(For Non-Salaried Person) | 400000 with
Minimum Credit Score 700 |
HDFC Bank UPI RuPay Credit Card
Maximize Rewards with the HDFC Bank UPI RuPay Credit Card
The HDFC Bank UPI RuPay Credit Card offers unparalleled rewards and convenience for discerning consumers. This premium credit card delivers exceptional value, making everyday spending more rewarding.
Key Benefits:
*High Reward Rates: Earn 3% cash points on grocery and dining purchases, and an additional 2% on utility payments.
*Annual Fee Waiver: Maintain a minimum annual spend of ₹25,000 to enjoy a waived annual fee.
*Extended Interest-Free Credit Period: Benefit from up to 50 days of interest-free credit, providing greater financial flexibility.
*Seamless UPI Integration: Enjoy the ease and security of UPI transactions directly from your credit card.
*Versatile Redemption Options: Redeem accumulated cash points for statement credit or travel bookings through a user-friendly process.
The HDFC Bank UPI RuPay Credit Card represents a sophisticated blend of credit and convenience, perfectly suited for today’s digital lifestyle. Apply today and experience the pinnacle of HDFC banking rewards.
Features & Benefits of HDFC Bank UPI RuPay Credit Card
Introducing the HDFC Bank UPI RuPay Credit Card, a pioneering innovation in the banking realm. Designed with modern features and benefits, it’s rapidly gaining a reputation as the next best credit card in India. Embrace a seamless fusion of credit and convenience tailored for the contemporary user.
Renewal Benefits
Navigating the financial landscape with the HDFC Bank UPI RuPay Credit Card brings rewards and significant savings. One of its standout features is the renewal benefit, making it an enticing choice for consistent users.
- By simply spending ₹25,000 or more in an annual year, cardholders can enjoy the privilege of having their membership fee waived.
Additional Benefits
Every remarkable credit card brings a suite of primary advantages, but what truly sets one apart is its additional perks. The HDFC Bank UPI RuPay Credit Card goes above and beyond to ensure cardholders have an unparalleled experience. Among its exceptional addons are:
- Benefit from an extended 50-day interest-free period from the purchase date, adding flexibility.
- Experience the ease of revolving credit at competitive interest rates, ensuring you can access funds when needed.
- Get all the benefits of a credit card with this virtual credit card.
Shopping And Reward Benefits of HDFC Bank RuPay Credit Card
When it comes to maximising returns on your expenditures, the HDFC Bank UPI RuPay Credit Card stands out as one of the best rewards credit cards in India. Here’s how you can optimise your earnings:
- Earn a substantial 3% in cash points on spending related to groceries, supermarkets, dining, and PayZapp transactions, with a cap of 500 points monthly.
- Get 2% cash points on your utility bills, also capped at 500 monthly points.
- For all other eligible expenditures, collect 1% cash points, limited to 500 points each month.
Please note: Rent, wallet loads, EMI, fuel, and government categories are excluded.
Reward Redemption Benefits
Reward systems elevate a credit card from good to great, and with the HDFC Bank UPI RuPay Credit Card, redemption becomes a delightful experience. Whether offsetting your statement balance, planning a vacation, or indulging in exclusive products, this card ensures you get the most out of your accumulated points. Here’s how you can harness the benefits:
- Convert your accumulated CashPoints into statement credit. With 1 CashPoint equivalent to ₹0.25, you can offset your balance. This redemption can be accomplished via net banking or the physical redemption form.
- Planning travel has never been so rewarding. Channel your CashPoints toward flight and hotel bookings. Dive into the SmartBuy Rewards Portal to explore a diverse Rewards Catalogue. Notably, up to 50% of booking value can be redeemed in CashPoints, while the remainder is charged to the card.
- Be aware of the changes from 1st January 2023: redemptions related to flights and hotels have a monthly cap set at 50,000 reward points.
- As of 1st February 2023, CashBack redemptions will see a monthly ceiling of 50,000 reward points.
- Additionally, from 1st February 2023, cardholders can redeem up to 70% of select product or voucher values using reward points. The remaining costs can be covered with a credit card.
- Ensure you have a CashPoints balance equivalent to at least ₹500 for statement balance redemptions.
- CashPoints longevity matters: they remain valid for 2 years from the accrual date. For instance, points gained in August 2021 will lapse by August 2023.
- For every redemption avenue, the consistent value of 0.25 per point simplifies calculations and assures cardholders of their reward’s worth.
Fees & Charges of HDFC Bank UPI RuPay Credit Card
Being well-informed about your credit card’s fee dynamics is essential to harness its full potential. With the HDFC Bank UPI RuPay Credit Card, clarity is paired with user-friendliness. Here’s a concise overview of the fees, empowering you to manage your finances adeptly.
Cash Advance Limit Fee: 2.5% or INR 500 (whichever is higher)
Over Limit Penalty: 2.5% or INR 550 (whichever is higher)
Minimum Repayment Amount: 5% of the bill value
Late Payment Fees
- Upto ₹100: ₹0
- From ₹101 to ₹500: ₹100
- From ₹501 to ₹5000: ₹500
- From ₹5001 to ₹10000: ₹600
- From ₹10001 to ₹25000: ₹800
- From ₹25000 to ₹50000: ₹1100
- More than ₹50000: ₹1300
If you have any queries linked to the HDFC Bank UPI RuPay credit card, you can visit the official bank website or connect with the customer support team at 1800 202 6161 / 1860 267 6161.