HDFC Bank, India’s largest private sector bank, has revolutionized digital payments with its UPI RuPay Credit Card—the first credit card that can be linked to UPI apps like Paytm, PhonePe, Google Pay, BHIM, and MobiKwik. This innovative card combines the convenience of UPI with the benefits of a credit card, offering cashback on transactions.
Best of all, this is a virtual-only card, meaning no physical card is issued. Let’s explore its features, rewards, fees, and more.
Key Features & Benefits
✅ First-Ever UPI-Linked Credit Card – Seamlessly link with UPI apps for quick, secure payments.
✅ Virtual Card – No physical card; access details via HDFC MyCards.
✅ Cashback as Reward Points – Earn Cashpoints on UPI & regular spends.
✅ Low Fees – Affordable joining & renewal fee of ₹99 + GST.
✅ Spend-Based Fee Waiver – Annual fee waived on spending ₹25,000+ in a year.
✅ 50-Day Interest-Free Period – Enjoy a flexible repayment window.
Reward Points Structure
| Spend Category | Cashback (Cashpoints) | Monthly Cap |
|---|---|---|
| Groceries, Supermarkets, Dining, PayZapp | 3% | 500 Cashpoints |
| Utility Bills (Electricity, Mobile, etc.) | 2% | 500 Cashpoints |
| All Other Spends (Exclusions Apply) | 1% | 500 Cashpoints |
Exclusions (No Rewards On)
- Fuel purchases
- Rent payments & government transactions
- Wallet/Gift card loads
- Cash advances & EMI transactions
Reward Redemption Options
💰 Statement Credit – 1 Cashpoint = ₹0.25 (Min. ₹500 required)
✈️ Travel Bookings (Flights/Hotels) – Redeem up to 50% of booking value
🛍️ Smartbuy Vouchers & Products – Redeem up to 70% of value
Max Redemption: 50,000 Cashpoints per month
Fees & Charges
| Fee Type | Amount |
|---|---|
| Joining Fee | ₹99 + GST |
| Renewal Fee | ₹99 + GST (Waived on ₹25K+ annual spend) |
| Interest Rate | 3.6% per month (43.2% p.a.) |
| Foreign Currency Markup | 3.5% per transaction |
| Cash Advance Fee | 2.5% or ₹500 (whichever is higher) |
Who Should Get This Card?
✔ Frequent UPI Users – Ideal for those who prefer UPI over cards.
✔ Small Merchants & Online Shoppers – Works where UPI is accepted.
✔ Cashback Lovers – Earn rewards on groceries, dining, and utilities.
Final Verdict – Is It Worth It?
⭐ Pros:
- First-of-its-kind UPI-linked credit card
- Good cashback on groceries, dining, and bills
- Low annual fee with waiver option
⚠ Cons:
- No physical card
- Reward caps & exclusions apply
Best For: Digital-savvy users who want credit benefits on UPI payments.
Apply Now & Enjoy HDFC Bank UPI RuPay Credit Card Flexibility! 🚀
Apply for HDFC UPI RuPay Credit Card
HDFC Bank UPI RuPay Credit Card – Frequently Asked Questions (FAQs)
1. What is the HDFC UPI RuPay Credit Card?
The HDFC UPI RuPay Credit Card is India’s first credit card that can be linked to UPI apps like Google Pay, PhonePe, Paytm, and BHIM. It allows you to make UPI payments directly from your credit line while earning cashback.
2. Is this a physical or virtual card?
This is a virtual-only card, meaning you won’t receive a physical card. You can access it via HDFC MyCards or your net banking portal.
3. How do I link this card to UPI apps?
- Open any UPI app (Google Pay, PhonePe, Paytm, etc.).
- Select “Add Credit Card” and enter your HDFC UPI RuPay Credit Card details.
- Set a UPI PIN (you’ll receive it via SMS).
- Start making payments!
4. What are the cashback (reward) rates?
- 3% Cashpoints → Groceries, supermarkets, dining, PayZapp spends
- 2% Cashpoints → Utility bill payments (electricity, mobile, etc.)
- 1% Cashpoints → Other eligible spends
(Monthly cap: 500 Cashpoints per category)
5. Where can I redeem my Cashpoints?
- Statement credit (₹0.25 per Cashpoint, min. ₹500)
- Flight & hotel bookings (up to 50% redemption)
- Smartbuy vouchers & products (up to 70% redemption)
6. Are there any exclusions for rewards?
Yes, you won’t earn rewards on:
- Fuel purchases
- Rent payments & government transactions
- Wallet/Gift card loads
- EMI transactions & cash advances
7. What is the joining & annual fee?
- Joining Fee: ₹99 + GST
- Renewal Fee: ₹99 + GST *(Waived if you spend ₹25,000+ in a year)*
8. Is there an interest-free period?
Yes, you get up to 50 days interest-free credit period from the transaction date.
9. Can I use this card for international transactions?
Yes, but a 3.5% forex markup fee applies.
10. How do I check my credit limit & transactions?
- Via HDFC NetBanking / Mobile App → MyCards section
- Through SMS & email alerts
11. Can I convert purchases into EMIs?
Yes, you can convert eligible transactions into EMIs via HDFC Bank’s EMI options.
12. Is there lounge access with this card?
No, this card does not offer domestic or international lounge access.
Still Have Questions?
Hdfc Bank UPI RuPay Credit Card 📞 Customer Care: 1800-266-4332
