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HDFC UPI Rupay Credit Card

HDFC UPI Rupay Credit Card

Last Updated : Feb. 22, 2023, 3:22 p.m.

HDFC Bank has designed a credit card for all your UPI transactions. As you already know how essential UPI has been these days. As a consumer, we use UPI apps for each of our small and big payments. So why not avail the advantages of a credit card during those transactions? HDFC UPI Rupay credit card is one such example of the combination of credit card + UPI benefits. This UPI RuPay card will only be issued as a virtual card, so you won’t receive a physical card. It will automatically be registered to HDFC Bank MyCards for easy access, where you can view all your card details. For a detailed look read below.

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Benefits of HDFC UPI Rupay Credit Card


  • 3% Cashpoints on Groceries, Dining, and PayZapp transactions (Max. 500 Points/month).

  • 2% Cashpoints on Utility spends (Max. 500 Points/month).

  • 1% Cashpoints on other spends (Max. 500 Points/month, excludes specified categories).
Interest Free Duration
  • 50 days following the date of purchase.
    Milestone Bonus
    • Spend >= ₹25,000 in a year to waive off renewal fee.

      Please note that the benefits mentioned apply to both UPI and standard credit card transactions.

      Cashpoint Redemption

      HDFC Bank allows you to redeem the accumulated reward points in the following ways:

      Pay Credit Card Bills

      • 1 cashpoint is equal to ₹0.25.
      • Using the accumulated points, pay your credit card balance.
      • To redeem your rewards, you can either log in to your HDFC credit card account or visit a physical branch to fill out a reward redemption form.
      • To redeem against the statement balance, ensure you have at least ₹500 worth of CashPoints.

      Save on Travel

      • CashPoints are versatile and you can redeem them for travel benefits like Flight & Hotel bookings.
      • Redeem CashPoints at the SmartBuy Rewards Portal or through the Rewards Catalogue.
      • Use up to 50% of the booking value with CashPoints, where 1 CashPoint equals ₹0.25.
      • The remaining amount must be paid using the best credit card .
      • Reward points redemption for flights & hotels capped at 50,000 per month.

      Redeem against Rewards Catalogue

      • The rewards catalogue contains the best-in-class products and vouchers.
      • From February 1st, 2023, redeem up to 70% of select product/voucher value using reward points.
      • Pay the remaining amount with your Credit card.

      Note: Cashpoints earned on your HDFC Bank UPI RuPay Credit Card expire 2 years after the transaction date.

      HDFC UPI Rupay Card – Fees & Charges

      Type of FeesFees
      Foreign Currency Transactions3.5%
      Revolving credit interest3.60% p.m

      In conclusion, HDFC Bank UPI Rupay Credit Card is a great option for those who frequently use UPI apps for their transactions. With its numerous benefits, including reward points, cashback, and discounts on various categories, it is an excellent choice for anyone looking to optimize their spending. The virtual card is easy to access and manage through the HDFC Bank MyCards app, providing a seamless experience for the users. With its innovative features, HDFC Bank UPI Rupay Credit Card has set a new benchmark for credit card services in India.

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