HDFC Bank UPI RuPay Biz Credit Card
Rewards & Benefits
Welcome Benefits
NA
Milestone Benefits
Cashback Rate
1 cash point = INR 0.25.
3% cash points on groceries, supermarket & dining spends & PayZapp transactions (maximum 500 points per month). Effective cashback rate: 0.75%.
2% cash points on utility spend (maximum 500 points per month). Effective cashback rate: 0.50%.
1% cash points on other spends (excluding rent, Wallet loads, EMI, fuel & education categories) (maximum 500 points per month). Effective cashback rate: 0.25%.
Movie Benefits
Dining Benefits
Other Benefits
Users will receive a virtual credit card.; Users can waive their renewal membership fee by spending ₹25,000 and above annually.
Lounge Access
Fees & Charges
Joining Fee
INR 250 plus taxes.
Annual Fee
INR 250 plus taxes. The renewal fee is waived upon spending INR. 25,000 within a year.
Cash Advance Fee
Cash advance fee:2.5% or INR 500 whichever is higher.
Interest rate
3.75 monthly, 45% annually
Late Payment Fee
Late payment charges:INR 100 to 1300.
Foreign Currency Transactions Fee
Foreign currency markup: 3.50%
Other Fees
Fuel surcharge: NA
Cons
Cashback redemption is capped at 50,000 reward points per calendar month.
Users must have a minimum cash points equivalent to INR 500 for redemption.
Cash points are valid only for 2 years from the date of the transaction.
No dining and lounge benefits.
Reward system: 1 cash point = INR 0.25. 3% cash points on groceries, supermarket & dining spends & PayZapp transactions, maximum 500 points per month. Effective cashback rate: 0.75%. 2% cash points on utility spend, maximum 500 points per month. Effective cashback rate: 0.50%. 1% cash points on other spends (excluding rent, Wallet loads, EMI, fuel & education categories), maximum 500 points per month. Effective cashback rate: 0.25%.
Users will receive a virtual credit card.
Users can waive their renewal membership fee by spending ₹25,000 and above annually.
Rewards & Benifits
Welcome Benefits
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Rewards System
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International Forex Markup
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Welcome Benefits and Reward System
Special Features
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Eligibility Criteria
Not mentioned by the bank.
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
Visit HDFC Bank's website: Go to https://www.hdfcbank.com/
Navigate to Credit Cards: Look for the "Credit Cards" section on the website.
Find the Card.
Click "Apply Now": Submit the required details like personal information, income, and contact information.
Contact Details
Toll-Free: 1800 202 6161\ 1860 267 6161
Email: customerservices.cards@hdfcbank.com
Account Opening and Procedure
Recommended Credit Cards
Pros:-
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Cons:-
Reward system: 1 cash point = INR 0.25. 3% cash points on groceries, supermarket & dining spends & PayZapp transactions, maximum 500 points per month. Effective cashback rate: 0.75%. 2% cash points on utility spend, maximum 500 points per month. Effective cashback rate: 0.50%. 1% cash points on other spends (excluding rent, Wallet loads, EMI, fuel & education categories), maximum 500 points per month. Effective cashback rate: 0.25%.
Users will receive a virtual credit card.
Users can waive their renewal membership fee by spending ₹25,000 and above annually.
Cashback redemption is capped at 50,000 reward points per calendar month.
Users must have a minimum cash points equivalent to INR 500 for redemption.
Cash points are valid only for 2 years from the date of the transaction.
No dining and lounge benefits.
HDFC Bank UPI RuPay Biz Credit Card is a beginner credit card and it offers very basic features. Cashback rate is low. Overall this credit card is inferior to its competitors in the market.
HDFC Bank UPI RuPay Biz Credit Card is a beginner credit card and it offers very basic features. Cashback rate is low. Overall this credit card is inferior to its competitors in the market.
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
Product Review
Fees & Charges
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Fuel Surcharge
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Billing Cycle
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