HDFC Bank UPI RuPay Credit Card

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UPI RuPay Credit Card

HDFC Bank UPI RuPay Credit Card offers a new world of Credit and convenience, enabled for UPI payments. You can link your card with UPI apps and earn rewards for all UPI purchases done using the card. The HDFC Bank UPI RuPay Credit Card comes with minimal joining and renewal membership fees of just Rs. 250 plus applicable taxes, which can be waived on spending Rs. 25,000 or more in an annual year.

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On Hdfc Bank Website

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Updated: 31-05-2024 01:52:45 PM

Key Highlights of HDFC Bank RuPay Credit Card

Joining fee Rs. 250
Annual fee Rs. 250
Benefits Cashpoints on all transactions, renewal membership fee waiver, up to 50 days of interest-free period, etc.
Cashpoints 3% Cashpoints on groceries, supermarket, dining & PayZapp transactions, 2% Cashpoints on utility spends, and 1% Cashpoint on other spends.
Foreign currency transaction fee 3.5% of the transaction value

Features & Benefits of HDFC Bank UPI RuPay Credit Card

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


  • 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

HDFC Bank UPI RuPay Credit Card Cashpoint Redemption Program

  • 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.

HDFC Bank UPI RuPay Credit Card Fee & Charges

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.).

Steps to Link HDFC Bank RuPay UPI Credit Card in UPI Apps:

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

How to Make Payment with HDFC Bank RuPay Credit Card on UPI?

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

How to Apply for an HDFC Bank RuPay Credit Card on UPI?

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 banking vidhya by 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.

Some Other HDFC Bank Credit Card

Apart from HDFC Bank UPI RuPay Credit Card, HDFC Bank offers the following credit cards:

  • IndianOil HDFC Bank Credit Card
  • Freedom Credit Card
  • Millennia Credit Card
  • HDFC Bank Infinia Credit Card
  • HDFC Diners Black Credit Card
  • Paytm HDFC Bank Credit Card
  • Paytm HDFC Bank Select Credit Card
  • Paytm HDFC Bank Mobile Credit Card
  • Swiggy Credit Card
  • Shoppers Stop HDFC Credit Card
  • Flipkart Wholesale HDFC Credit Card
  • Corporate Platinum Credit Card
  • Tata Neu Plus HDFC Bank Credit Card
  • HDFC Regalia Credit Card
  • Diners Club Privilege Credit Card
  • HDFC MoneyBack+ Credit Card
  • HDFC MoneyBack Credit Card
  • Regalia First Credit Card
  • Diners ClubMiles Credit Card
  • Platinum Times Card
  • Titanium Times Card6E Rewards – IndiGo HDFC Bank Credit Card
  • 6E Rewards XL- India
  • Go HDFC Bank Credit Card
  • InterMiles HDFC Bank Diners Club Credit card
  • InterMiles HDFC Bank Signature Credit card
  • InterMiles HDFC Bank Platinum Credit card
  • Paytm HDFC Bank Business Credit Card
  • Paytm HDFC Bank SELECT Business Credit Card
  • Business Regalia
  • HDFC Business MoneyBack Credit Card
  • Best Price Save Max HDFC Bank Credit Card
  • Best Price Save Smart HDFC Bank Credit Card
  • CSC Small Business MoneyBack
  • All Miles Credit Card
  • Bharat Credit Card
  • Business Bharat Credit Card
  • Business Freedom Credit Card
  • Business Gold Credit Card
  • Business Platinum Credit Card
  • Business Regalia First Credit Card
  • Diners Club Premium Credit Card
  • Diners Club Rewardz Credit Card
  • Doctor’s Regalia Credit Card
  • Doctors Superia Credit Card
  • JetPrivilege HDFC Bank Select / Titanium
  • Platinum Edge Credit Card
  • Platinum Plus Credit Card
  • Solitaire Credit Card
  • Superia Credit Card
  • Teachers Platinum Credit Card
  • Titanium Edge Credit Card
  • Visa Signature Credit Card
  • World MasterCard Credit Card

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HDFC Bank UPI Rupay Credit Card FAQs

Set up HDFC Bank RuPay Credit Card PIN before linking the credit card to UPI apps. HDFC Bank Credit Card PIN can be set up by calling 1860 266 0333.

Yes. The maximum amount limit per card per day is up to the available UPI limit (i.e., Rs. 1 Lakh per day and Rs. 2 Lakh for some special MCC codes i.e. 5960, 6300 & 6529). However, it will be subject to the available credit limit on your credit card. The amount limit per day per card is Rs. 5,000 for the first 24 hours of linking the card in the UPI app.

No. There are no charges levied on linking/ carrying out any transaction from the linked credit card on UPI.

Yes, if your card is renewed/replaced, you need to re-register in UPI with updated credit card details.

Yes, UPI spends using your HDFC Bank RuPay Credit Card will earn reward points (excluding categories as per the card’s product features/Terms and conditions).

Yes, a maximum of 500 reward points can be earned in a calendar month on UPI spends through a RuPay Credit Card.

No, there is no fuel surcharge waiver applicable on UPI payments.