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HDFC Bank UPI RuPay Biz Credit Card
Rewards & Benefits
Welcome Benefits
None.
Milestone Benefits
None.
Cashback Rate
1 cash point = INR 0.25.
3% cash points on groceries, supermarket & dining spends & PayZapp transactions (maximum 500 points per month).
Grocery+ Cashback Rate: 0.75%.
2% cash points on utility spend (maximum 500 points per month).
Utility Cashback Rate: 0.50%.
1 cash points on other spends (excluding rent, Wallet loads, EMI, fuel & education categories) (maximum 500 points per month).
General Cashback Rate: 0.25%.
Movie Benefits
None.
Dining Benefits
Dining Cashback Rate: 0.75%
Other Benefits
Users will receive a virtual credit card.
Users can waive their renewal membership fee by spending INR 25,000 and above annually.
Lounge Access
None.
Rewards & Benefits
Welcome Benefits
None.
Milestone Benefits
None.
Cashback Rate
1 cash point = INR 0.25.
3% cash points on groceries, supermarket & dining spends & PayZapp transactions (maximum 500 points per month).
Grocery+ Cashback Rate: 0.75%.
2% cash points on utility spend (maximum 500 points per month).
Utility Cashback Rate: 0.50%.
1 cash points on other spends (excluding rent, Wallet loads, EMI, fuel & education categories) (maximum 500 points per month).
General Cashback Rate: 0.25%.
Movie Benefits
None.
Dining Benefits
Dining Cashback Rate: 0.75%
Other Benefits
Users will receive a virtual credit card.
Users can waive their renewal membership fee by spending INR 25,000 and above annually.
Lounge Access
None.
Fees & Charges of
HDFC Bank UPI RuPay Biz Credit Card
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
Interest rate: 3.75% monthly, 45.0% 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
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
2.5% or ?500 whichever is higher
Interest rate
Interest rate: 3.75% monthly, 45.0% 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
Fee and Charges of
HDFC Bank UPI RuPay Biz Credit Card
Special Features
Not mentioned by the bank.
Eligibility Criteria
Low joining fee
No fuel surcharge
No physical credit card
Speical Feature, Eligibility and Benefits of
HDFC Bank UPI RuPay Biz Credit Card
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 of
HDFC Bank UPI RuPay Biz Credit Card
Find Offers on Your Credit Card
Find Offers on Your Credit Card
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