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

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

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.​​​​​​​

• 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

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​​​​​​​

​​​​​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).

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.

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

• 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

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

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