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HDFC Bank UPI RuPay 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
Other Benefits: Users will get renewal membership fee waived by spending INR 25,000 and above in an annual year.
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
Other Benefits: Users will get renewal membership fee waived by spending INR 25,000 and above in an annual year.
Lounge Access
None.
Fees & Charges
Joining Fee
Rs 99 plus taxes
Annual Fee
Rs. 00 plus taxes
Cash Advance Fee
2.5% or ?500 whichever is higher.�
Interest rate
Interest Rates: 3.6% per month (i.e., 43.2% per annum)
Late Payment Fee
Late Payment Charges: Ranges from INR 100 to INR 1300
Foreign Currency Transactions Fee
Foreign Currency Mark-up Fees: 3.5%
Other Fees
Joining/ Renewal Membership Fee - ₹99/- + taxes. | Cash Advance Charges: 2.5% or ₹500 whichever is higher.
Fees & Charges
Joining Fee
Rs 99 plus taxes
Annual Fee
Rs. 00 plus taxes
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
Interest Rates: 3.6% per month (i.e., 43.2% per annum)
Late Payment Fee
Late Payment Charges: Ranges from INR 100 to INR 1300
Foreign Currency Transactions Fee
Foreign Currency Mark-up Fees: 3.5%
Other Fees
Joining/ Renewal Membership Fee - ₹99/- + taxes. | Cash Advance Charges: 2.5% or ₹500 whichever is higher.
Special Features
UPI transactions can be made through this credit card.
Eligibility Criteria
Age: 18 and 65 years old.
Resident of India.
For salaried individuals, the minimum monthly income required is ₹20,000.
For self-employed individuals, the minimum annual income (ITR) should be ₹6,00,000.
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
Offered to existing customers with RuPay credit cards.
Contact Details
1800 1600 / 1800 2600
Account Opening and Procedure
This card can be a decent choice for those who prioritize UPI payments and cashback on groceries, dining, and supermarkets. However, the low redemption value of cashback points and monthly caps mean you might not earn significant rewards unless you spend a lot. Also, it seems HDFC has stopped offering new applications for this card. Check their website for updates on new credit card offerings or contact their customer service to see if there are alternatives.
This card can be a decent choice for those who prioritize UPI payments and cashback on groceries, dining, and supermarkets. However, the low redemption value of cashback points and monthly caps mean you might not earn significant rewards unless you spend a lot. Also, it seems HDFC has stopped offering new applications for this card. Check their website for updates on new credit card offerings or contact their customer service to see if there are alternatives.
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