HDFC UPI RuPay Credit Card
उत्पाद विवरण
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%.
दोष
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.
पक्ष विपक्ष
Welcome Benefits
None
पुरस्कार प्रणाली
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%
अंतर्राष्ट्रीय विदेशी मुद्रा मार्कअप
IFM: 3.5%
स्वागत लाभ और पुरस्कार प्रणाली
विशेष लक्षण
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.
फ़ायदे
UPI transactions via credit card.
Cashpoints on every spent.
विशेष विशेषता, पात्रता और लाभ
क्रेडिट कार्ड के लिए आवेदन कैसे करें?
Offered to existing customers with RuPay credit cards.
सम्पर्क करने का विवरण
1800 1600 / 1800 2600
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:-
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
उत्पाद समीक्षा
फीस एवं प्रभार
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
ईंधन अधिशुक्ल
N/A
Billing Cycle
30 Days