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List of HDFC RuPay Credit Cards & max rewards points earn from UPI spend

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Finance Ninja
abhishek012

List of HDFC RuPay credit cards and max rewards points earn from UPI spend:

1) Will I earn any reward points for UPI spends using HDFC Bank RuPay Credit Card ?

Yes, UPI spends using Credit Card will earn reward points (Excluding categories as per Credit Card product features/Terms & Conditions).

Refer below table for detailed reward points structure on HDFC Bank RuPay Credit Cards -

Product Name

Reward points (RPs)

HDFC Bank Freedom Credit Card

1 RP for every Rs.150 spent

HDFC Bank Indian Oil Credit Card

1 RP for every Rs.150 spent

HDFC Bank RuPay Bharat Credit Card

1 RP for every Rs.150 spent

HDFC Bank MoneyBack+ Credit Card

2 RP for every Rs.150 spent

HDFC Bank Regalia First credit Card

4 RP for every Rs.150 spent

HDFC Bank Regalia Credit Card

4 RP for every Rs.150 spent

HDFC Bank IRCTC Credit Card

1 CashPoint for every Rs.100 spent

HDFC Bank Shoppers Stop Credit Card

2 First Citizen points for every Rs.150 spent

HDFC Bank Shoppers Stop Black Credit Card

5 First Citizen points for every Rs.150 spent

Tata Neu Plus HDFC Bank Credit Card

1% back as Neucoins

Tata Neu Infinity HDFC Bank Credit Card

1.5% back as Neucoins

HDFC Bank Business MoneyBack

2 RP for every Rs.150 spent

HDFC Bank Business Regalia Credit Card

4 RP for every Rs.150 spent

2) Is there any capping on the reward points that can be earned on UPI spends through RuPay Credit Cards?

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

Please Note - Already got 2000, 5000, 6000 or some people got 10,000 Neu coins on UPI spend. So, i dnt know HDFC will reverse the Neu coins or not. Because recently updated 500 rewards restriction by HDFC bank. Maybe this is only applicable for rewards points and not cashback or neu coins as these are not points. More clarity needed from HDFC Bank.

3) Where can i see my HDFC Bank RuPay Credit card transactions happened through UPI platform?

HDFC Bank Credit card transactions through UPI platform can be viewed in HDFC Bank RuPay Credit card statements every month

4) Can I make my linked Credit Card as default account to receive funds?

Funds cannot be received on linked credit card on UPI.

5) What are the restricted merchant categories on which customer won’t be able to make payment using HDFC Bank RuPay Credit Card on UPI?

Categories – P2P, P2PM, digital account opening, lending platform, cash withdrawal at merchant, cash withdrawal at ATM, ERUPI, IPO, Foreign Inward Remittances, Mutual Funds and any other categories as restricted by HDFC Bank from time to time.

6) Can I link my Visa/Mastercard/Diners Credit Card on UPI?

Currently, only RuPay Credit Card can be linked on UPI.

7) What if I change my mobile number, how can I link my HDFC Bank RuPay Credit Card on UPI app?

If you have changed your mobile number, kindly update the same for your HDFC Bank RuPay Credit Card as well. Once updated, kindly re-register the credit card on UPI app.

8) How can I make payment to a retail offline merchant using HDFC Bank RuPay Credit Card on UPI?

Once you have added your HDFC Bank RuPay Credit Card to the UPI app, open UPI app on your mobile, click on ‘Scan’. QR scanner will open on UPI app, scan the QR, enter the amount, select HDFC Bank RuPay credit card from the drop-down menu, confirm the payment by entering UPI Pin. Payment confirmation will be displayed, once the payment is done.

9) How can I make payment to an e-commerce merchant using HDFC Bank RuPay Credit Card on UPI?

Payment can be made for e-commerce merchant either through an Intent request or collect request from the merchant. Select UPI app as payment mode at merchant website /app, login into UPI app, select HDFC Bank Credit Card from the drop-down menu, confirm the payment using UPI Pin. Payment confirmation will be displayed, once the payment is done, you will be routed back to the merchant page.

10) What are the prerequisites for linking HDFC Bank RuPay Credit Card on UPI Payment app?

HDFC Bank RuPay Credit Card PIN needs to be setup before linking Credit Card on UPI apps. HDFC Bank Credit Card PIN can be setup by calling 1860 266 0333

11) Is there any limit on the amount of transaction that can be carried out from linked Credit card on UPI?

Amount limit per card per day can be upto UPI limit (i.e, 1 lakh per day and 2 lakh for some special MCC codes i.e 5960, 6300 & 6529 (Excludes the restricted categories merchant in previous Question), however, it will be subject to the available credit limit on your credit card.
To note - Amount limit per day per card is Rs.5,000 for first 24 hrs of linking the card in UPI app.

12) Can I make payment to any person or other Credit Card using the linked Credit Card on UPI?

No, only payment to merchant (P2M) will be allowed from the linked Credit Card.

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Step by Step Guide to Enable RuPay Credit card on UPI -

Welcome to the new world of ‘Credit + Convenience’ with HDFC Bank RuPay Credit Cards, enabled for UPI payments. Here’s a quick guide to assist you to start enjoying this added privilege on your Credit Cards. We request you to set your credit card PIN (If not already set) before starting this process. You can easily set your HDFC Bank Credit Card PIN by calling 1860 266 0333)

Currently, you can link your HDFC Bank RuPay Credit Card in select UPI apps only. (BHIM app, New payzapp app, Freecharge, Tata Neu app, Jupiter app, Paytm app, Mobikwik app etc)

How to link HDFC Bank RuPay Credit Card on BHIM app?

  • Download BHIM app from play store / App Store
  • Register your account with BHIM App for UPI Payments (if not already done)
  • Open BHIM App -> Enter Passcode -> Click on Bank account ->Add Account
  • Select Credit Card -> Select Credit Card Issuer Bank (HDFC Bank) -> Select your HDFC Bank Credit Card ->Confirm
  • Click to view accounts -> Select from available options

- Enter HDFC Bank RuPay Credit Card details

- Last 6 Digits & Expiry date

- Enter OTP

- Enter Credit Card PIN

- Set UPI PIN

For queries related to linking or usage of RuPay Credit Card on BHIM app, you can also connect to toll free number 18001201740

Make payment with HDFC Bank RuPay Credit Card on UPI -

  • Scan merchant UPI QR Code
  • Enter Amount & Select Credit Account
  • Select HDFC Bank RuPay Credit Card account followed by UPI PIN
  • View Transaction History

Thanks to @bankipad for sharing all the details.

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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.
120 Comments  |  
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Benevolent Benevolent
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@drupal
Generous Generous
Admin
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Good share bro!

Deal Hunter Deal Hunter
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Really informative bro.

Finance Ninja Finance Ninja
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By the way already got 2000, 5000, 6000 or some people got 10,000 Neu coins on UPI spend. So, dnt know HDFC will reverse the rewards or not. Because recently updated 500 rewards restriction by HDFC bank.

Tips: Pay other banks credit card bill via Amazon using your RuPay CC linked UPI.

@SuperKnight

View 36 more replies
Helpful Helpful
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Have not got any neucoins on using Infinity neu card even after 10 days...any one who has got and confirm this if he has received

Deal Cadet Deal Cadet
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How to get a RuPay CC?

Deal Subedar Deal Subedar
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You can use Mobikwik app as well instead of bhim app.

(Far better experience)

Deal Lieutenant Deal Lieutenant
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Tata Neu Infinity HDFC Bank Credit Card - this card is LTF? How should I get convert/replace my Money-back card?

Helpful Helpful
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Yes, if it is offered to you as such.
Yes, MB+ can be converted from VISA to Rupay.
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Deal Subedar Deal Subedar
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I recently installed Tataneu app and currently Infinity card showing 1499 fee.

Do I need to wait for LTF offer or can I proceed to apply

Note: Already have Millenia CC with 2l+ limit

Analyst Analyst
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Don't apply rn.
Deal Cadet Deal Cadet
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@abhishek012 means chances are more than 500 points in regalia for upi txn will be reversed in next statement.

Finance Ninja Finance Ninja
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Ya, 99.99% chance.
Helpful Helpful
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Very good info!
How can we link HDFC Rupay CC in Paytm app?

Finance Ninja Finance Ninja
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Paytm beta app v10.23 supported RuPay credit card link UPI.

Go to UPI setting and scroll down, you will see RuPay credit card link UPI option.

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Deal Hunter Deal Hunter
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plus1

Helpful Helpful
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is this only for HDFC Rupay?

how about BoB Rupay?

Finance Ninja Finance Ninja
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Only, HDFC, PNB, Union bank and Indian bank.

SBI Card, ICICI and Axis bank coming soon,

BOB - no official announcement, we need to wait few months.
Deal Cadet Deal Cadet
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Any way to do rent payments/add money to wallet and transfer back to bank without charges using cc upi? 

Deal Cadet Deal Cadet
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Any trick / method to pay via BHIM on Cheq to get additional rewards.

Tried paying using Paytm (Beta) on Cheq but showing error "payment not permitted to receivers (CHEQ) bank a/c"

Idk why Cheq has not added BHIM to the UPI section. 😄

Deal Cadet Deal Cadet
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how to apply for lifetime free hdfc rupay debit card . any variant. website is buggy as usual

Finance Ninja Finance Ninja
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HDFC Bank RuPay Platinum debit Card Apply Process - https://www.desidime.com/discussions/hdfc-bank-...

Use code: RRFL1 to get LTF RuPay Platinum debit card.

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Budding Star Budding Star
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  • Rewards for UPI transactions on HDFC Bank Rupay credit cards
  • HDFC Bank Rupay credit cards were recently onboarded onto BHIM and other UPI apps like Paytm. Mobikwik. As we know, Rupay on UPI will not have the same MDR as Visa/Mastercard. So, there was some confusion on what kind of rewards will be there for these Rupay UPI transactions.

  • HDFC Bank has finally put out a notification on the reward structure and capping for its Rupay credit cards.

  • Card Name

  • Reward PointsHDFC Bank Freedom Credit Card
    1 RP/Rs 150
    HDFC Bank IndianOil Credit Card

    1 RP/Rs 150
    HDFC Bank Rupay Bharat Credit Card

    1 RP/Rs 150
    HDFC Bank MoneyBack+ Credit Card

    1 RP/Rs 150
    HDFC Bank Regalia First Credit Card

    2 RP/Rs 150
    HDFC Bank Regalia Credit Card

    4 RP/Rs 150
    HDFC Bank IRCTC Credit Card

    1 CashPoint/Rs 100
    HDFC Bank Shoppers Stop Credit Card

    2 First Citizen Points/Rs 150
    HDFC Bank Shoppers Stop Black Credit Card

    5 First Citizen Points/Rs 150
    Tata Neu Plus HDFC Bank Credit Card

    1% NeuCoins
    Tata Neu Infinity HDFC Bank Credit Card

    1.5% NeuCoins
    HDFC Bank Business MoneyBack

    2 RP/Rs 150
    HDFC Bank Business Regalia Credit Card

    4 RP/Rs 150
  • (RP - Reward Poins)

  • While these reward rates are normal, the bad news is the capping. We can earn a maximum of 500 reward points in a calendar month on UPI spends through RuPay Credit Card.
    But, not all credit cards earn the standard reward points. The Tata Neu cards for example earn NeuCoins and as of now the cap does not seem to affect those. People have been receiving more than the above limit for their transactions.

Community Angel Community Angel
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They did good thing else you know misuse karne wala to day and night lage hua tha

Finance Ninja Finance Ninja
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Credit card link UPI also have same MDR rates as Visa/Mastercard but condition is transaction should be above Rs2001.

Banks should give unlimited rewards on payment above Rs2001.

By the way, NPCI is working on "Credit UPI" network. This is similar to when RuPay Credit card was launched 4-5 years ago. At that time RuPay Credit card were accepted on the RuPay Debit card network.

Once "Credit UPI" network is ready full-fledged acceptance will start and we can't bypass the MDR charges that time banks will give unlimited rewards point without any capping.

Deal Subedar Deal Subedar
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Hdfc MoneyBack+ Credit Card will it be a good decision to take it?? bank called me and told its a Life time free credit card (as I already have a credit card so Card to card offer) need expert advice plz..

Finance Ninja Finance Ninja
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If you got RuPay variant Moneyback+ then apply.

you can also pay other bank credit card bill via Amaozn using your RuPay CC link UPI.
Deal Newbie Deal Newbie
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Any idea on what criteria do they give credit card? . Applied for hdfc neu was rejected. Please note i dont have hdfc bank account

Finance Mentor Finance Mentor
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When one is paying to a merchant via upi linked to rupay credit card, do the merchant have to pay MDR charges latter on?

Just asking because I am paying locally to shopkeepers whom I personally know, they are not big players and it would be wrong of me to cause 2% loss at a latter stage for some mere RP.

Finance Ninja Finance Ninja
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No MDR for small merchants, transactions under Rs2000.

Note - dnt misuse this free MDR transacitons.
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Commentator Commentator
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In Regalia Milestone benefit and will get reward points if I completed it mostly by UPI spent?
Finance Ninja Finance Ninja
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Yes, RuPay Regalia user already got rewards point and milestone benefit on UPI spend.

Note - Rewards points are eligible on selected categories.

Tips: Pay any other banks credit card bill via Amazon using your RuPay credit card link UPI
Deal Cadet Deal Cadet
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How to convert visa business money back to rupay?

View 9 more replies
Helpful Helpful
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@abhishek012

Is there any app that would allow adding CC without first adding a bank account?

Finance Ninja Finance Ninja
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Try mobikwik.
Deal Newbie Deal Newbie
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Tried converting regalia mastercard into regalia rupay but they deniedIMG20230228202912701
Finance Ninja Finance Ninja
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Call HDFC customer care they will easily convert to RuPay Regalia.

Yesterday, one person converted successfully to RuPay Regalia.

Generous Generous
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Anyone got neu rwd points for upi?  I didnt got its more than 10 days

Finance Ninja Finance Ninja
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Where you spend and transaction amount ? not eligible for selected merchant categories.
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Deal Cadet Deal Cadet
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Does anyone able to pay credit card bill using other UPI on amazon?

Finance Ninja Finance Ninja
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Yes
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Deal Newbie Deal Newbie
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DM me too
replyuser
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