Experience the power of UPI with credit card rewards
Not applicable on UPI payments
3% CashPoints on groceries, dining & supermarket; 2% on utility bills; 1% on other spends
₹250 gift voucher on 1st transaction within 37 days
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| Benefit | Details |
|---|---|
| UPI Payment Support | Link your credit card with UPI apps for seamless payments and earn CashPoints on every UPI transaction. |
| Virtual Card Convenience | Digital-only card auto-registered in HDFC Bank MyCards - no physical card required. |
| Affordable Annual Fee | Annual fee of ₹99 + GST, waived on annual spends of ₹25,000 or more. |
| Interest-Free Period | Enjoy up to 50 days of interest-free credit on purchases. |
| Attribute | Classification |
|---|---|
| Issuer / Provider | HDFC Bank |
| Bank / Non-bank | Bank-affiliated |
| Category | Rewards / UPI Payments |
| Type of Card | RuPay Credit Card (UPI enabled) |
| Free or Paid | ₹99 + GST Annually (waived on spends of ₹25,000) |
The HDFC Bank UPI RuPay Credit Card is the perfect choice for digital payment enthusiasts who want to combine the convenience of UPI with credit card benefits. As a virtual-only card exclusively for existing HDFC Bank credit cardholders, it delivers exceptional value for everyday spending categories like groceries, dining, and utility bills while seamlessly integrating with all major UPI apps.
UPI Integration: The RuPay variant allows you to link your credit card with any UPI app (PayZapp, Google Pay, PhonePe, BHIM, Paytm, Mobikwik) for instant payments. You can make merchant payments by simply scanning QR codes or entering UPI IDs.
Digital-First Experience: Issued as a virtual-only card with no physical card delivery, it's automatically registered in HDFC Bank MyCards for easy access to card details and management.
Accelerated Rewards: Earn up to 3% CashPoints on groceries, supermarket, and dining spends, along with all PayZapp transactions. Get 2% CashPoints on utility bill payments and 1% on all other eligible spends.
Floater Card Advantage: Issued as an additional card on your existing HDFC Bank credit card with shared credit limit, giving you the flexibility of having a separate UPI-enabled card.
Wide UPI Acceptance: Make payments at online and offline retail stores, supermarkets, shopping malls, and e-commerce websites using UPI. Note that only person-to-merchant (P2M) transactions are permitted.
Interest-Free Credit: Enjoy up to 50 days of interest-free period on purchases from the date of purchase, subject to merchant charge submission.
Easy Application: Apply completely online through HDFC Bank MyCards or PayZapp app if you're an existing HDFC Bank credit cardholder.
The RuPay variant adds significant value by enabling UPI payments, making this card incredibly versatile for modern digital transactions while earning rewards on everyday spends across multiple categories.
3% CashPoints on Groceries, Supermarket & Dining Spends: Earn 3% CashPoints on all purchases in groceries, supermarket, and dining categories. Applicable on all PayZapp transactions as well. Additional CashPoints for applicable PayZapp transactions will be credited as PayZapp CashPoints. Maximum of 500 CashPoints can be earned per calendar month in this category.
2% CashPoints on Utility Spends: Get 2% CashPoints on utility bill payments. Maximum of 500 CashPoints can be earned per calendar month in this category.
1% CashPoints on Other Spends: Earn 1% CashPoints on all other retail purchases. Excludes rent, wallet loads, EMI, fuel, insurance payments, and government categories. Maximum of 500 CashPoints can be earned per calendar month in this category.
UPI Transaction Rewards: Earn CashPoints on all UPI transactions made through linked RuPay credit card. Same reward rates apply for UPI spends as regular credit card transactions. Minimum transaction of ₹100 required to earn CashPoints.
Note: The above benefits are applicable for both UPI as well as regular credit card spends. CashPoints are posted as Reward Points in your account.
Statement Balance Redemption: Redeem CashPoints against your statement balance at the rate of 1 CashPoint = ₹0.25. Can be done via Net Banking login or physical redemption form. Minimum of 2,000 CashPoints required for redemption against statement balance (equivalent to ₹500).
Travel Benefits: Redeem CashPoints for flight and hotel bookings at the SmartBuy Rewards Portal. You can redeem up to maximum 50% of the booking value through CashPoints at 1 CashPoint = ₹0.25. The rest of the amount must be paid via credit card. Monthly cap: Maximum 50,000 reward points can be redeemed for flights & hotels per calendar month.
Rewards Catalogue: Redeem CashPoints for products and vouchers at the SmartBuy Rewards Portal. You can redeem up to 70% of product/voucher value through CashPoints on select items. Remaining amount must be paid via credit card.
CashPoints are valid for 2 years from the date of transaction.
Example: CashPoints earned in August 2023 will expire in August 2025.
Gift Voucher: Receive a ₹250 gift voucher on performing your first transaction of any amount within 37 days of card activation. Note: Voucher details will be shared within 90 days of the first transaction month.
Up to 50 Days: Avail up to 50 days of interest-free period from the date of purchase, subject to the submission of the charge by the merchant.
Revolving Credit Facility: Enjoy revolving credit on your card at a nominal interest rate. Refer to the Fees and Charges section for more details.
CashPoints are not available on the following transactions: Rent payments, Fuel purchases, Insurance payments, Wallet loads, Prepaid card loads, Voucher purchases, EMI transactions, Education fees, Government-related payments, Cash advances, Card fees and charges.
Disclaimer: The card features, benefits, application process, and other details mentioned above are accurate at the time of writing but may change without prior notice.
| Fee Type | Amount | Details |
|---|---|---|
| Joining Fee | ₹99 + GST (~₹117) | One-time charge when the card is issued (Festive Season Offer). |
| Annual Fee | ₹99 + GST (~₹117) | Charged every year. Waived if annual spends are ₹25,000 or more before renewal date from 2nd year onwards. |
| Interest Rate (APR) | 3.6% per month (43.2% annually) | Applicable on outstanding balances. |
| Foreign Currency Markup | 3.5% + GST (~4.13%) | Applicable on all international transactions. |
| Cash Advance Fee | 2.5% or ₹500 (whichever is higher) | Applicable on cash withdrawals. |
| Cash Advance Limit | Up to 40% of card limit | Maximum cash withdrawal limit. |
| Overlimit Penalty | 2.5% of overlimit amount (minimum ₹550) | Charged when spending exceeds credit limit. |
| Payment Return Charges | 2% of payment amount (minimum ₹450) | Charged when payment is returned/dishonored. |
| Cash Processing Fee | ₹100 | Charged for all card payments at HDFC Bank branches or ATMs. |
| Rewards Redemption Fee | ₹99 per redemption request | Applicable on physical redemption form submissions. |
| Railway Ticket Purchase Fee | 1% of transaction amount + GST | Charges reversed after transaction completion. |
| Balance Transfer Processing Charges | 1% of transfer amount or ₹250 (whichever is higher) | Applicable on balance transfer requests. |
| Duplicate Physical Statement Charges | ₹10 per statement | Charged for requesting duplicate physical statements. |
| Criteria | Details |
|---|---|
Age | Primary cardholder should be between 21 and 65 years |
Existing Customer | Only existing HDFC Bank credit cardholders can apply |
Citizenship | Must be a Resident of India |
Credit Score | Good CIBIL score (ideally 750-900) recommended |
Income | Stable source of income (salaried or self-employed) |
| Document Type | Details |
|---|---|
| Identity Proof | Any one of the following: Aadhaar Card, PAN Card, Passport, Driving License, Voter ID Card |
| Address/Residence Proof | Any one of the following: Aadhaar Card, Passport, Driving License, Voter ID Card, Utility Bill |
| Income Proof | Latest payslip / Bank statement / Form 16 / IT return copy |
| PAN Card | Mandatory for credit card issuance |
Click on Apply Now: Hit the 'Apply Now' button to start your application.
Fill in Your Detail: Enter your personal, contact, and financial details in the application form.
Upload Required Documents: Upload your PAN Card, Aadhaar/Address Proof, and Income Proof.
Submit Your Application: Review all the details and click Submit.
Approval & Card Delivery: Once approved, your HDFC Bank UPI RuPay Credit Card will be delivered to your registered address.
| Usage Tips | Details |
|---|---|
Link with UPI Apps | Link your RuPay credit card with any UPI app (PayZapp, Google Pay, PhonePe, BHIM, Paytm, Mobikwik) to make instant payments. |
Set Up Credit Card PIN First | Credit Card PIN setup is a prerequisite for UPI registration. Call 1860 266 0333 to set your PIN. |
Generate UPI PIN | After linking the card, generate a separate 4-digit UPI PIN through the UPI app for transaction authorisation. |
Maximise Groceries & Dining Rewards | Use the card for all groceries, supermarket, and dining purchases to earn 3% CashPoints (up to 500 points monthly). |
Pay Utility Bills | Use the card for utility bill payments to earn 2% CashPoints (up to 500 points monthly). |
Use PayZapp for Extra Benefits | Make transactions through PayZapp to earn 3% CashPoints on eligible spends. |
Track Monthly Caps | Monitor your monthly CashPoints earnings across different categories to optimise spending before hitting the 500-point cap per category. |
UPI Transaction Limits | First 24 hours: ₹5,000 limit. After 24 hours: Up to ₹1 lakh per day (subject to available credit limit). |
Only Merchant Payments | Remember that only person-to-merchant (P2M) transactions are allowed - you cannot send money to individuals. |
Maintain Spend Threshold | Spend at least ₹25,000 annually to get the renewal fee waived from the 2nd year onwards. |
Redeem CashPoints Wisely | Redeem minimum 2,000 CashPoints (₹500 value) against statement balance, or use for travel/products at SmartBuy. |
The HDFC Bank UPI RuPay Credit Card is designed for users who want to maximize their credit card benefits effectively.
Disclaimer: The information provided on this page has been gathered from various reliable sources and is intended solely for general informational purposes. As details may change over time, we do not guarantee the accuracy or completeness of the content. Users are advised to verify the information with official or relevant sources before making any decisions or taking action.
Get your HDFC Bank UPI RuPay Credit Card in just a few simple steps