HDFC UPI RuPay Credit Card
Rewards & Benefits
Welcome Benefits
None.
Milestone Benefits
Cashback Rate
- Reward System: Cardholder will get 5% cashback on any two packs of your choice
- Dining &
- Entertainment Category – BookMyShow &
- Zomato
- 
- Travel Category – MakeMyTrip &
- Uber
- 
- Grocery Category – Blinkit &
- Reliance Smart Bazaar
- 
- Electronics Category – Croma &
- Reliance Digital
- 
- Fashion Category – Nykaa &
- Myntra
3% cashback any one E-commerce merchant of your choice
- 
- Amazon or Flipkart or PayZapp
1% unlimited cashback across all other spends
- Cashback credit card
-  
- Reward System: Cardholders will get 5% cashback on any two packs of their choice
- 3% cashback on any one E-commerce merchant of your choice- Amazon or Flipkart or PayZapp
- 1% unlimited cashback across all other spends
Movie Benefits
Dining Benefits
Get up to 25% off on dining through Swiggy Dineout.
Other Benefits
Instant digital credit card. Annual fee reversal on spend of INR 50,000 in any year.
Lounge Access
Fees & Charges
Joining Fee
INR 500 /- + Applicable Charges
Annual Fee
INR 500 /- + Applicable Charges
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
Cash Advance Charges: A transaction fee of 2.5% or ₹500 whichever is higher | Reward Redemption Fee: INR 99
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
None
Rewards System
International Forex Markup
IFM: 3.5%
Welcome Benefits and Reward System
Special Features
Reward System: Cardholder will get 5% cashback on any two packs of your choice
- Dining & Entertainment Category – BookMyShow & Zomato
- Travel Category – MakeMyTrip & Uber
- Grocery Category – Blinkit & Reliance Smart Bazaar
- Electronics Category – Croma & Reliance Digital
- Fashion Category – Nykaa & Myntra
3% cashback any one E-commerce merchant of your choice
- Amazon or Flipkart or PayZapp
1% unlimited cashback across all other spends.
Eligibility Criteria
You must be an Indian citizen.
You must be 21-60 years of age.
Your net monthly income must be greater than INR 25,000 if you are salaried, and your ITR must be greater than Rs. 6 lakhs per annum if you are self-employed.
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
Eligibility: Check if you meet the eligibility criteria, which typically include a minimum income and age requirement.
Apply online: Visit the HDFC Bank website or app and fill out the online application form.
Documents: Submit the required documents like PAN card, address proof, and income proof.
Verification: HDFC will verify your documents and creditworthiness.
Approval: Upon approval, you will receive your credit card within 7-10 working days.
Contact Details
1800 1600
Account Opening and Procedure
Recommended Credit Cards
Pros:-
Change the text to include your own content. Adjust the font, size or scale to customize the style.
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
Joining/ Renewal Membership Fee - ₹99/- + taxes.
Interest Rates: 3.6% per month (i.e., 43.2% per annum)
Foreign Currency Mark-up Fees: 3.5%
Cash Advance Charges: 2.5% or ₹500 whichever is higher.
Late Payment Charges: Ranges from INR 100 to INR 1300
Fuel Surcharge
N/A
Billing Cycle
30 Days