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HDFC launch Virtual Only "UPI RuPay" Credit Card | upto 3% Cashpoints

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Finance Ninja
abhishek012

https://www.hdfcbank.com/personal/pay/cards/cre...

HDFC launch Virtual Only "UPI RuPay" Credit Card | upto 3% Cashpoints:

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Important Information: Welcome to the new world of ‘Credit + Convenience’ with HDFC Bank UPI RuPay Credit Card, enabled for UPI payments. Link your HDFC Bank UPI RuPay Credit Card in UPI apps and earn reward points even for UPI purchases done using Credit Card.

Your Card Member Agreement, Most Important Terms & Conditions and Other Important documents pertaining to your credit card can be accessed digitally. Click here

Note: The HDFC Bank card will be issued as Virtual only card and no Physical card will be sent. For your convenience, this card will be auto registered in HDFC Bank MyCards and you can view your card details in MyCards.​​​​​​​

Key Features:
  • 3% Cashpoints on Groceries, SuperMarket & Dining spends & all PayZapp transactions. (Maximum of 500 Points can be earned in a calendar month)
  • 2% Cashpoints on Utility spends (Maximum of 500 Points can be earned in a calendar month)
  • 1% Cashpoints on other spends (Excluding Rent, Wallet loads, EMI, Fuel & Government categories) (Maximum of 500 Points can be earned in a calendar month)

Note: The above benefits are applicable for UPI purchases done using UPI RuPay Credit Card as well as purchases done directly using UPI RuPay Credit Card

For detailed Terms & conditions Click here

Additional Features

UPI Benefits: Link Your HDFC Bank RuPay UPI Credit Card in select UPI Apps like BHIM, MobiKwik & Paytm etc. Get the Convenience of UPI & also earn reward Points for your UPI purchases Via Credit Card.

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

  • Go to UPI apps like BHIM, PayTm & MobiKwik etc
  • Register HDFC Bank UPI RuPay Credit Card by using credit card PIN.
  • Make UPI Payments using credit cards & Enjoy credit card benefits​​​​​​​
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 (subject to the submission of the charge by the Merchant).

Revolving Credit

Enjoy Revolving Credit on your HDFC Bank UPI RuPay Credit Card at nominal interest rate. Please refer to the Fees and Charges section for more details.

Renewal offer

Get renewal membership fee waived off by spending ₹50,000 and above in an annual year

Reward Point/Cashback Redemption & Validity
  • The CashPoints earned on HDFC Bank UPI RuPay Credit Card can be redeemed against the statement balance at the rate of 1 CashPoint = ₹0.25, and can be done via Net Banking login, Phone Banking, or physical redemption form
  • CashPoints can also be used for redemption against travel benefits like Flight & Hotel bookings and also on Rewards Catalogue at the SmartBuy Rewards Portal, wherein Credit Card members can redeem up to a maximum of 50% of the booking value through CashPoints at a value of 1 CashPoint = ₹0.25 and the rest of the amount will have to be paid via the Credit Card. To know more on Rewards catalouge, click here
  • With effect from 1st January 2023, Reward points redemption for flights & hotels bookings are capped per calendar month at 50,000.
  • With effect from 1st February 2023, Reward points redemption for CashBack redemption are capped per calendar month to 50,000 rewards points.
  • With effect from 1st February 2023, cardmembers can redeem upto 70% of product/Voucher value through Reward points on select vouchers/products and pay the remaining amount via Credit card.
  • For redemption against statement balance, Cardholder must have minimum CashPoints equivalent to ₹500
  • CashPoints earned on your HDFC Bank UPI RuPay Credit Card are valid only for 2 years from the date of transaction. e.g. if you receive Reward Points in August 2021, same will expire in August 2023

Value per Point (in Rs)

Product Catalogue

Unified SmartBuy (Flights/Hotels)

Cash back

Airmiles

0.25

0.25

0.25

0.25

To Know more about UPI purchases on Credit card, click here

FEES & CHARGES

    Joining/Renewal Membership Fee – ₹250/- + Applicable Taxes

    Spend ₹25,000 or more in an annual year, before your Credit Card renewal date and get your renewal fee waived off from 2nd year onwards

    Expired
    Disclaimer
    We are not SEBI/IRDA registered. The information provided herein is for education purposes only. We will not be responsible for any of your profit/loss with this channel's suggestions. Consult your financial advisor before making any decisions.
    77 Comments  |  
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    Deal Cadet Deal Cadet
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    Anyone apply?

    Is it beneficial?

    Deal Cadet Deal Cadet
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    how to apply?

    Deal Cadet Deal Cadet
    Link Copied

    Reward rate is so low disappointed_relieved Max benefit = 0.75%

    Deal Newbie Deal Newbie
    Link Copied

    Better to use HDFC millennia card 1% flat or 1.5% for flipkart axis bank

    Deal Subedar Deal Subedar
    Link Copied

    How to use millennia on Rupay API? Does it have the Rupay variant too?

    View 4 more replies
    Deal Newbie Deal Newbie
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    What a terrible card lol 1 pts is 0.25? As it is other spends give you 1 pts for 100 rupees, spend 1000 to give 10 pts which is equal to 2.5 rupees? 25 for 10000? Wow. 

    Savings Mentor Savings Mentor
    Link Copied

    LOL low reward rate and ₹250 for virtual-only card smile

    Spearhead Spearhead
    Link Copied

    Is it worthy to apply

    Benevolent Benevolent
    Link Copied

    Is this 1st April special?

    Finance Ninja Finance Ninja
    Link Copied
    This card is good for Rural areas.

    RuPay is planning to launch credit cards in rural areas and credit limit starting with just Rs2000.

    Higher income user apply for RuPay Regalia, Moneyback+, Freedom New, Tata Neu cards, IndianOil, IRCTC, Also business variant cards.

    @raghuisb4u832
    @some1anywhere
    @game.ruler
    @rohithkumarsp543
    @hpgramani
    @Santushal
    @Rakhi_srikak
    View 1 more reply
    Deal Cadet Deal Cadet
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    Link not working

    Finance Ninja Finance Ninja
    Link Copied
    Link is removed from HDFC bank site.

    I think card is not live, by mistake HDFC post all UPI card details. 😀
    Wingman Wingman
    Link Copied
    Why technology for contactless not come for virtual card pay yet?
    Deal Newbie Deal Newbie
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    It is only till available for who already have hdfc credit and got a offer from HDFC Bank beacuse is pre approved

    Beacuse I know I work in hdfc credit card dept

    In rupay only freedom,indian oil, moneyback, tataneu will be available

    If anyone want to apply ping me on telegram username @ RohitHdfc




    HDFC UPI Rupay Credit Card ➡️ Card is Free for First Year ➡️ Card Annual Fees is Rs 250 which is Spends Base Reversal on Rs 25000 Spends from Cards Issuance Date Features➡️➡️➡️➡️➡️➡️➡️➡️ Customer can earn up to 3 % Cash Points in 3 Diffirent Slabs Slab 1 ▶️ 3 % CashPoints on Shopping on Payzapp, Groceries, Supermarkets & Dining Spends Slab 2 ➡️ 2% CashPoints on Utility Payments Slab 3 ➡️ 1 % CashPoints on all Other Spends ZERO REWARD POINT ON - Rent, Govt Payments, Fuel, Wallet & EMI Spends ➡️ Monthly Capping of CashBack Point in Calender Month Slab 1➡️3 % = 500 CashPoints Slab 2➡️2 % = 500 CashPoints Slab 3➡️1 % = 500 CashPoints -----------------‐--------------------------------- Total CashPoints Including all Three Slab is 1500

    Helpful Helpful
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    I have existing HDFC Regalia cc, can you help apply Tata Neu cc as LTF? In the app, they show chargeable to me.
    View 1 more reply
    Deal's Advocate Deal's Advocate
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    Super faltu card, didn't expect this from HDFC

    Critic Critic
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    And I didn't expect anyone here to didn't expect this from HDFC.
    Cool Cool
    Link Copied

    Vu

    Deal Newbie Deal Newbie
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    Tata nue infinity is better for UPI.... Everytime getting 1.5%....even for a 40 ₹purcharge, getting ₹1

    Deal Subedar Deal Subedar
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    How to link tata nei card for upi tra nsactions in all upi, scan & payment supported apps @unihint @abhishek012

    View 6 more replies
    Wingman Wingman
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    I have applied for Tata Neu Credit card but received Visa Variant for this. Is there any way to convert it to Rupay variant.

    I have tried sending mail to Hdfc bank but received below reply from there Grivance Redressal team-

    This is in continuation to our e-mail dated March 26, 2023 regarding your HDFC Bank credit card account.

    We infer from your email that, you have raised a concern to change the franchisee of your existing Credit Card from Visa to Rupay. We regret to inform you that we will be unable to change the franchisee of your Credit Card from Visa to Rupay since the issuance of Rupay cards are currently on hold as per the Bank's internal policy.We would like to mention that the same is not in isolation to your card account but is followed as a standard procedure across all customers.

    We regret to note from your e-mail that you would like cancel the credit card We would request you to reconsider your decision on card closure and provide us opportunity to continue serve

    Finance Ninja Finance Ninja
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    Email request now rejected.

    Call hdfc customer care and conversion to RuPay CC.
    View 2 more replies
    Helpful Helpful
    Link Copied

    Any way to convert my Tataneu visa cc to rupay cc

    Finance Ninja Finance Ninja
    Link Copied
    Call hdfc customer care and conversion to RuPay CC.
    Deal Newbie Deal Newbie
    Link Copied

    I think No card is better than Amazon ICICI. It gives 2% cash back for even Utility Bills. Except you can't pay more than Rs. 15,000/- using CC.

    Deal Lieutenant Deal Lieutenant
    Link Copied

    Another Piece Of Waste From Rupay 😂😂😂

    Never Ever Take This Card 

    Crowdpuller Crowdpuller
    Link Copied

    Will this virual card give 10% instant discount on amazon and flipkart when there is offer on hdfc credit card? 

    Finance Ninja Finance Ninja
    Link Copied

    Good question. 😀

    Share card BIN, if anyone got this card.

    View 2 more replies
    Benevolent Benevolent
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    banner was showing in hdfc mycard... now it is saying wait for 10 days post that you can apply for upi card.
    Deal Newbie Deal Newbie
    Link Copied

    I quickly clicked on apply. And i also got something 10 days written there. Didn't read it in hurry. So it doesn't get applied yet? I need to wait 10 more days to apply?

    View 12 more replies
    Comrade Comrade
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    Offer again live at hdfc my card login

    Deal Newbie Deal Newbie
    Link Copied

    Any update on UPI rupay card? I have requested in mycard more than a week back but still there is no update on it

    Finance Ninja Finance Ninja
    Link Copied
    Why you applied for this useless card, when RuPay Regalia, Moneyback+, Business Moneyback, Tata Neu RuPay credit cards etc available.
    View 10 more replies
    Talk-Of-The-Town Talk-Of-The-Town
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    good information

    Deal Subedar Deal Subedar
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    I am seeing an option of Rs.500 voucher for applying for the card....does anyone know what these vouchers are?

    Deal Subedar Deal Subedar
    Link Copied

    Even I saw that, unfortunately didn't verified link and applied for card. Please guide anyone what are the 500₹ assured benifits of the card.

    Deal Newbie Deal Newbie
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    E

    Helpful Helpful
    Link Copied

    can anyone explain below 10% cb on payzapp?

    @abhishek012

    image

    Finance Ninja Finance Ninja
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    Something new 😀
    replyuser
    Click here to reply
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