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HDFC UPI RuPay Credit Card

Product Details
Credit Card Name : 

HDFC UPI RuPay Credit Card

Bank Name :

HDFC Bank

Type :

General Credit Card

Interest Rate : 

3.6% per month (i.e., 43.2% per annum)

Eligibility :

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

HDFC UPI RuPay Credit Card
Pros
  • Rewards: 3% Cashpoints on Groceries, SuperMarket & Dining spends & PayZapp transactions. (A maximum of 500 Points can be earned in a calendar month), 2% Cashpoints on Utility spends (A maximum of 500 Points can be earned in a calendar month), and 1% Cashpoints on other spends. 

  • Other Benefits: Get renewal membership fee waived off by spending ₹25,000 and above in an annual year

Cons
  • Very basic credit card 

  • Low reward rate 

  • No travel or other premium features available

Pros & Cons
Welcome Benefits

None 

Rewards System
  • 3% Cashpoints on Groceries, SuperMarket & Dining spends & PayZapp transactions. (Maximum of 500 Points can be earned in a calendar month)

  • 2% Cashpoints on Utility spends (Maximum of 500 Points can be earned in a calendar month)

  • 1% Cashpoints on other spends

  • 1 RP= 0.25 paisa. 

International Forex Markup

IFM: 3.5%

Welcome Benefits and Reward System
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

Benefits
  • UPI transactions via credit card

  • Cashpoints on every spent

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
HDFC UPI RuPay Credit Card

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

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/- + Applicable 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

Fees & Charges
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