HDFC UPI RuPay Credit Card
Rewards & Benefits
Welcome Benefits
None
Milestone Benefits
Cashback Rate
1 RP= 0.25 paisa.
Users will get 3% cash points on groceries, supermarket & dining spends & PayZapp transactions. (A maximum of 500 points can be earned in a calendar month), cashback rate: 0.75%. 2% cash points on utility spend (A maximum of 500 points can be earned in a calendar month), cashback rate: 0.50%.
1% cash points on other spends, cashback rate: 0.25%.
Movie Benefits
Dining Benefits
Other Benefits
Other Benefits: Users will get renewal membership fee waived by spending ₹25,000 and above in an annual year.
Lounge Access
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
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.
Cons
Very basic credit card.
Low reward rate.
No travel or other premium features are available.
Rewards System:1 RP= 0.25 paisa. Users will get 3% cash points on groceries, supermarket & dining spends & PayZapp transactions. (A maximum of 500 points can be earned in a calendar month), cashback rate: 0.75%. 2% cash points on utility spend (A maximum of 500 points can be earned in a calendar month), cashback rate: 0.50% and 1% cash points on other spends, cashback rate: 0.25%
Other Benefits: Users will get renewal membership fee waived by spending ₹25,000 and above in an annual year.
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
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
Recommended Credit Cards
Pros:-
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Cons:-
Rewards System:1 RP= 0.25 paisa. Users will get 3% cash points on groceries, supermarket & dining spends & PayZapp transactions. (A maximum of 500 points can be earned in a calendar month), cashback rate: 0.75%. 2% cash points on utility spend (A maximum of 500 points can be earned in a calendar month), cashback rate: 0.50% and 1% cash points on other spends, cashback rate: 0.25%
Other Benefits: Users will get renewal membership fee waived by spending ₹25,000 and above in an annual year.
Very basic credit card.
Low reward rate.
No travel or other premium features are available.
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
Product Review
Fees & Charges
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Fuel Surcharge
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Billing Cycle
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