HDFC Credit Card Payment through UPI

Last Updated : April 30, 2025, 5:56 p.m.

In the rapidly evolving landscape of digital payments in India, the integration of credit cards with Unified Payments Interface (UPI) represents a significant advancement in financial technology. HDFC Bank, one of India’s leading private sector banks, has pioneered this integration with its UPI RuPay Credit Card, offering customers a seamless blend of credit facilities and the convenience of UPI payments. Let us now learn all about HDFC credit card payments through UPI.

Understanding UPI Credit Card Integration

UPI has revolutionized India’s payment ecosystem by enabling instant fund transfers between bank accounts through mobile devices. Traditionally, UPI was linked exclusively to bank accounts, requiring users to maintain sufficient balances for transactions. However, the integration with credit cards introduces a new dimension – allowing users to make UPI payments using their credit line.

HDFC Bank’s UPI RuPay Credit Card stands at the front of this innovation, unifying the benefits of credit-based purchases with the widespread acceptance of UPI payments. This integration represents the new world of ‘Credit + Convenience’ as marketed by HDFC Bank.

HDFC Bank UPI RuPay Credit Card: Features and Benefits

HDFC Bank offers a specialized credit card to make HDFC credit card payments through UPI. This card supports UPI payments, and is called the HDFC Bank UPI RuPay Credit Card. This card is issued as a virtual-only card to current HDFC Bank customers, and there is no physical card being sent. The card is automatically registered in HDFC Bank MyCards, allowing users to view their card details digitally.

Key Benefits:

• Wider Accessibility: With UPI-enabled credit cards , users can make credit card payments at any merchant with a QR code, not just those with Point of Sale (PoS) machines.
• Rewards Program: The card offers an attractive rewards structure:
• 3% cashpoints on:
  1. Groceries
  2. supermarket & dining spends
  3. All PayZapp transactions
• 2% cashPoints on utility spends
• 1% cashPoints on other spends
• Contactless Payments: In today’s health-conscious environment, the ability to make contactless payments is increasingly valuable. UPI-credit card integration allows users to complete transactions without physical contact, enhancing safety and convenience.
• Welcome Offer: New cardholders get a Rs. 250 worth gift voucher for the first transaction made within 37 days of activating the card.
• Redemption Options: CashPoints can be redeemed against statement balance at the rate of 1 CashPoint = Rs. 0.25, or for travel benefits and rewards catalog items on the SmartBuy Rewards Portal.

How UPI Credit Card Payments Work?

The HDFC Bank UPI RuPay Credit Card functions as an additional floater card on your existing credit card, sharing the same credit limit. When you make a payment via UPI, you can select your linked UPI Credit Card as the payment source. The transaction amount is then deducted from your card’s credit limit and billed to you later, similar to regular credit card transactions.

It’s important to note that the HDFC Bank UPI RuPay Credit Card is exclusively a virtual card and does not support cash withdrawals.

Linking Your HDFC Credit Card with UPI

To make HDFC credit card payments through UPI, link your HDFC crest card with UPI via the following steps:

1. Open your preferred UPI app (Options include Google Pay, PhonePe, Paytm, BHIM, and PayZapp among others).
2. Select the option ‘Add RuPay Credit Card’ or a similar option in the app.
3. Select HDFC Bank as the issuer, which will display your eligible HDFC Bank Credit Cards.
4. Select your card and enter the last 6 digits of your card, the expiry date, and the OTP sent to your registered mobile number to complete registration.
5. Set up a UPI PIN specifically for transactions done via this card. Note that your Credit Card PIN and UPI PIN are separate.

Fees and Important Considerations

The HDFC Bank UPI RuPay Credit Card has an annual fee of Rs. 99 per annum. While there are no direct charges for UPI transactions, users should be aware of the standard credit card interest rates and charges that apply to any unpaid balances.

When a credit card is renewed, the expiry date, card number, and CVV also change. Therefore, if your credit card is enabled for UPI and has been renewed, you must re-register the card in the UPI app.

Conclusion

The integration of HDFC credit cards with UPI represents a significant advancement in India’s digital payment ecosystem. By combining the credit facilities of traditional cards with the widespread acceptance and convenience of UPI, HDFC Bank is providing customers with enhanced flexibility in managing their finances.

As digital payment methods continue to evolve, the UPI-credit card integration stands as a testament to India’s rapid progress toward a cashless economy. With its competitive rewards program and user-friendly features, the HDFC Bank UPI RuPay Credit Card offers a compelling option for consumers looking to embrace this innovative payment solution.

For more details or to apply for an HDFC Bank UPI RuPay Credit Card, customers can access the HDFC Bank website or contact customer service.