HDFC UPI RuPay Credit Card
Card Details
Joining Fee:
Renewal Fee:
Card Type:
Reward Type:
Welcome Benefits:
Rewards & Benefits
Welcome Benefits
On spending INR 2,000 or more in the first sixty days, the user can get 2,000 reward points.
Milestone Benefits
annual fee reversal on spending inr 1,00,000 on the card.
Cashback Rate
cashback rate: 1. cashback rate: 1. cashback rate: 0.
Lounge Access
0
Movie Benefits
8
Dining Benefits
Other Benefits
reward system: users will get 10 points for spending of every inr 150 on dining, movies, departmental stores and grocery spending. value of 1 point = inr 0. 25. effective 6%. 1 reward points on all other spend per inr 150. effective general 25%. 1 reward point of inr 100 on all other spends. effective general 16%.
Fees & Charges
Joining Fee
On spending INR 2,000 or more in the first sixty days, the user can get 2,000 reward points.
Annual Fee
annual fee reversal on spending inr 1,00,000 on the card.
Cash Advance Fee
cashback rate: 1. cashback rate: 1. cashback rate: 0.
Interest rate
0
Late Payment Fee
8
Foreign Currency Transactions Fee
Other Fees
reward system: users will get 10 points for spending of every inr 150 on dining, movies, departmental stores and grocery spending. value of 1 point = inr 0. 25. effective 6%. 1 reward points on all other spend per inr 150. effective general 25%. 1 reward point of inr 100 on all other spends. effective general 16%.
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
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%
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
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.
HDFC UPI RuPay Credit Card
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