List of HDFC RuPay Credit Cards & max rewards points earn from UPI spend
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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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Good share bro!
Really informative bro.
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.
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
How to get a RuPay CC?
Just send a mail to - [email protected]
[email protected]
You can use Mobikwik app as well instead of bhim app.
(Far better experience)
Tata Neu Infinity HDFC Bank Credit Card - this card is LTF? How should I get convert/replace my Money-back card?
Yes, MB+ can be converted from VISA to Rupay.
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
@abhishek012 means chances are more than 500 points in regalia for upi txn will be reversed in next statement.
Very good info!
How can we link HDFC Rupay CC in Paytm app?
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.
is this only for HDFC Rupay?
how about BoB Rupay?
SBI Card, ICICI and Axis bank coming soon,
BOB - no official announcement, we need to wait few months.
Any way to do rent payments/add money to wallet and transfer back to bank without charges using cc upi?
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. 😄
how to apply for lifetime free hdfc rupay debit card . any variant. website is buggy as usual
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.
- 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.
They did good thing else you know misuse karne wala to day and night lage hua tha
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.
@abhishek012 Already posted this.
Atleast check before creating new thread, as you're a very experienced Dimer.
@admin @MJ911 Repost. Please, merge with https://www.desidime.com/discussions/list-of-hd...
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..
you can also pay other bank credit card bill via Amaozn using your RuPay CC link UPI.
Any idea on what criteria do they give credit card? . Applied for hdfc neu was rejected. Please note i dont have hdfc bank account
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.
Note - dnt misuse this free MDR transacitons.
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
How to convert visa business money back to rupay?
call HDFC customer care or email -
Just send a mail to - [email protected]
Is there any app that would allow adding CC without first adding a bank account?
Call HDFC customer care they will easily convert to RuPay Regalia.
Yesterday, one person converted successfully to RuPay Regalia.
Anyone got neu rwd points for upi? I didnt got its more than 10 days
Does anyone able to pay credit card bill using other UPI on amazon?