HDFC Bank UPI RuPay Biz Credit Card
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उत्पाद विवरण
क्रेडिट कार्ड का नाम
HDFC Bank UPI RuPay Biz Credit Card
Bank Name :
HDFC Bank
प्रकार
Cashback Credit Card
ब्याज दर
3.75 monthly, 45% annually
पात्रता
Not mentioned
पेशेवरों
Reward system: 1 cash point = INR 0.25. 3% cash points on groceries, supermarket & dining spends & PayZapp transactions, maximum 500 points per month. Effective cashback rate: 0.75%. 2% cash points on utility spend, maximum 500 points per month. Effective cashback rate: 0.50%. 1% cash points on other spends (excluding rent, Wallet loads, EMI, fuel & education categories), maximum 500 points per month. Effective cashback rate: 0.25%.
Users will receive a virtual credit card.
Users can waive their renewal membership fee by spending ₹25,000 and above annually.
दोष
Cashback redemption is capped at 50,000 reward points per calendar month.
Users must have a minimum cash points equivalent to INR 500 for redemption.
Cash points are valid only for 2 years from the date of the transaction.
No dining and lounge benefits.
पक्ष विपक्ष
Welcome Benefits
NA
पुरस्कार प्रणाली
1 cash point = INR 0.25
3% cash points on groceries, supermarket & dining spends & PayZapp transactions (maximum 500 points per month). Effective cashback rate: 0.75%.
2% cash points on utility spend (maximum 500 points per month). Effective cashback rate: 0.50%.
1% cash points on other spends (excluding rent, Wallet loads, EMI, fuel & education categories) (maximum 500 points per month). Effective cashback rate: 0.25%.
Cashback redemption is capped at 50,000 reward points per calendar month.
Users must have a minimum cash points equivalent to INR 500 for redemption.
Cash points are valid only for 2 years from the date of the transaction.
अंतर्राष्ट्रीय विदेशी मुद्रा मार्कअप
3.50%
स्वागत लाभ और पुरस्कार प्रणाली
विशेष लक्षण
Low joining fee
No fuel surcharge
No physical credit card
Eligibility Criteria
Not mentioned
फ़ायदे
Virtual credit card
Reward benefits
विशेष विशेषता, पात्रता और लाभ
क्रेडिट कार्ड के लिए आवेदन कैसे करें?
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.
सम्पर्क करने का विवरण
Toll-Free: 1800 202 6161\ 1860 267 6161
Email: customerservices.cards@hdfcbank.com
खाता खोलने की प्रक्रिया और प्रक्रिया
विशेष विशेषता, पात्रता और लाभ
Pros:-
Change the text to include your own content. Adjust the font, size or scale to customize the style.
Cons:-
Reward system: 1 cash point = INR 0.25. 3% cash points on groceries, supermarket & dining spends & PayZapp transactions, maximum 500 points per month. Effective cashback rate: 0.75%. 2% cash points on utility spend, maximum 500 points per month. Effective cashback rate: 0.50%. 1% cash points on other spends (excluding rent, Wallet loads, EMI, fuel & education categories), maximum 500 points per month. Effective cashback rate: 0.25%.
Users will receive a virtual credit card.
Users can waive their renewal membership fee by spending ₹25,000 and above annually.
Cashback redemption is capped at 50,000 reward points per calendar month.
Users must have a minimum cash points equivalent to INR 500 for redemption.
Cash points are valid only for 2 years from the date of the transaction.
No dining and lounge benefits.
HDFC Bank Biz Power Credit Card
The card is a premium credit card with a number of value add features. This card offers cashback on even tax and GST payment. Overall it is a must have card for small business owners/ freelancers.
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
उत्पाद समीक्षा
फीस एवं प्रभार
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.
Foreign currency markup: 3.50%
Fuel surcharge: NA
Cash advance fee: 2.5% or INR 500 whichever is higher.
Late payment charges: INR 100 to 1300.
Interest rate: 3.75% monthly, 45.0% annually.
ईंधन अधिशुक्ल
NA
Billing Cycle
Up to 50 days