HDFC Bank UPI RuPay Credit Card

Following are the key highlights of HDFC Bank UPI RuPay Credit Card:

HDFC Bank UPI RuPay Credit Card is loaded with the following attractive features and benefits:

Cashpoints

• 3% Cashpoints on groceries, supermarket, dining and PayZapp transactions.
• 2% Cashpoints on utility spends.
• 1% Cashpoint on other spends, excluding rent, wallet loads, EMIs, fuel and government categories.
• You can earn a maximum of 500 points in a calendar month.
• The above benefits are valid for both UPI as well as regular credit card spending.

Interest-Free Credit Period

• Avail up to 50 days of interest-free period on your HDFC Bank UPI RuPay Credit Card from the date of purchase.
• The facility is subject to the submission of the charge by the Merchant.

Revolving Credit

• A revolving credit facility on available on the card at a nominal interest rate.
• Refer to the Fees and Charges section for more details.

Renewal Fee Waiver

• Get the renewal membership fee of Rs. 250 waived off.
• To avail of this benefit you have to spend Rs. 25,000 and above in an annual year.

• The accumulated Cashpoints can be redeemed against the statement balance at the rate of 1 CashPoint = Rs. 0.25.
• Cashpoints can also be redeemed against travel benefits like flight and hotel bookings. Credit card members can also redeem cashpoints on the Rewards Catalogue at the SmartBuy Rewards Portal where you can redeem up to 50% of the booking value through cashpoints at a value of 1 CashPoint = Rs. 0.25 and the rest of the amount will have to be paid via the card.
• With effect from 01.01.2023, cashpoints redemption for flight and hotel bookings are capped at 50,000 per calendar month.
• With effect from 01.02.2023, cardmembers can redeem up to 70% of product/voucher value through cashpoints on select vouchers/products and pay the remaining amount via card.
• For redemption against the statement balance, the cardholder must have minimum cashpoints equivalent to Rs. 500.
• Earned cashpoints are valid only for 2 years from the date of the transaction.

The HDFC Bank UPI RuPay Credit Card charges are mentioned below in detail:

• Joining fee: Rs. 250.
• Annual fee: Rs. 250. Waived off on annual spending more than Rs. 25,000.
• Cash advance fee: 2.5% or Rs. 500, whichever is higher.
• Overlimit penalty: 2.5% of the over-limit amount (minimum Rs. 550).
• Payment return charges: 2% of the payment amount (minimum Rs. 450).
• Foreign currency transaction fee: 3.5% of the transaction value.
• Cash processing fee: Rs. 100 will be charged for all card payments in HDFC Bank branches or ATMs.
• Rewards redemption fee: Rs. 99 per redemption request.
• Railway ticket purchase fee: 1% of the transaction amount + GST. Charges will be reversed after the transaction.
• Balance transfer processing charges: 1% of the transfer amount or Rs. 250, whichever is higher.
• Duplicate physical statement charges: Rs. 10 per duplicate physical statement.
• Insta Loan & Jumbo Loan processing fee: Rs. 999 + GST.
• Smart EMI processing fee: Rs. 499 + GST
• Pre-closure charges for Insta Loan, Jumbo Loan & Smart EMI: 3% of the principal outstanding.
• Rent pay transaction fee: 1% fee of transaction amount.
• Card validation charges: Rs. 2.
• Reissuance of lost, stolen or damaged card: Rs. 100
• Outstation cheque processing charge: Rs. 25 for cheque value up to Rs. 5,000 & Rs. 50 for above Rs. 5,000.
• Dynamic currency conversion markup fee: 1%.
• Finance charges for revolving credit & cash advances: 3.60% p.m. (43.20% p.a.).

Credit Card PIN set-up is a pre-requisite for UPI registration. You can easily set your card PIN by calling 1860 266 0333. After that:

• Download and register/ open your UPI app (PayZapp/ GPay/ PhonePe/ Mobikwik/ PayTM/ BHIM/ Slice).
• Then register the HDFC Bank UPI RuPay Credit Card by using your credit card PIN.
• You can now easily make UPI Payments using credit cards and enjoy credit card benefits.

• Scan merchant UPI QR Code
• Then enter the amount and select Credit Account.
• Select HDFC Bank RuPay Credit Card account and UPI PIN.

If you want to have an HDFC Bank RuPay Credit Card on UPI apply online either through the official website of the bank or via  following the steps given below:

• Check your eligibility first for the HDFC Bank RuPay Credit Card by clicking ‘Check Eligibility’.
• Then enter the required details.
• Upload your documents as required for completing the application.
• You can track your credit card application by using the tracking ID with the ‘Track Application’ process.