HDFC Virtual Rupay Credit Card - What Is It And How To Get IT

How to get a virtual RuPay credit card from HDFC Bank

If you are looking for a convenient and rewarding way to make UPI payments, you might want to consider getting a virtual RuPay credit card from HDFC Bank. A virtual RuPay credit card is a digital version of a physical credit card that you can link to your UPI ID and use it for online transactions. You can also use it for regular credit card transactions, such as shopping, dining, bill payments, etc. In this blog post, I will explain the features, benefits, eligibility, fees and charges, and how to apply for a virtual RuPay credit card from HDFC Bank.

Features and benefits of HDFC Bank UPI RuPay credit card

• - The HDFC Bank UPI RuPay credit card is issued as a virtual only card and no physical card will be sent. You can view your card details in HDFC Bank MyCards section.

• You can link your HDFC Bank UPI RuPay credit card in UPI apps such as PayZapp, GPay, PhonePe, Mobikwik, PayTM, BHIM, Slice, etc. and earn rewards for UPI purchases done using the credit card.

• You can earn up to 3% cashpoints on groceries, supermarket, dining and PayZapp transactions (maximum of 500 points can be earned in a calendar month).

• You can earn 2% cashpoints on utility spends (maximum of 500 points can be earned in a calendar month).

• You can earn 1% cashpoints on other spends (excluding rent, wallet loads, EMI, fuel, insurance payments and government categories) (maximum of 500 points can be earned in a calendar month).

• The cashpoints earned on HDFC Bank UPI RuPay credit card can be redeemed against the statement balance at the rate of 1 cashpoint = ₹0.25. You can also use them for redemption against travel benefits or rewards catalogue at the SmartBuy Rewards Portal.

• You can avail up to 50 days of interest free period on your HDFC Bank UPI RuPay credit card from the date of purchase (subject to the submission of the charge by the merchant).

• You can enjoy revolving credit on your HDFC Bank UPI RuPay credit card at nominal interest rate.

• You can get renewal membership fee waived off by spending ₹25,000 and above in an annual year.

Eligibility criteria for HDFC Bank UPI RuPay credit card

To apply for HDFC Bank UPI RuPay credit card, you need to meet the following eligibility criteria:

• You should be an Indian resident

• You should be at least 21 years old and not more than 60 years old

• You should have a regular source of income

• You should have a good credit score and repayment history

• You should have an existing HDFC Bank account or apply for one

Fees and charges for HDFC Bank UPI RuPay credit card

The fees and charges for HDFC Bank UPI RuPay credit card are as follows:

• Joining fee: ₹500 + GST

• Annual fee: ₹500 + GST (waived off on spending ₹25,000 and above in an annual year)

• Interest rate: 3.49% per month (41.88% per annum)

• Cash advance fee: 2.5% of the amount withdrawn or ₹500 whichever is higher

• Late payment fee: ₹100 to ₹950 depending on the statement balance

• Over limit fee: 2.5% of the over limit amount subject to a minimum of ₹500

• Foreign currency mark-up fee: 3.5%

• GST: As applicable

How to apply for HDFC Bank UPI RuPay credit card

You can apply for HDFC Bank UPI RuPay credit card online or offline by following these steps:

Online:

• Visit https://www.hdfcbank.com/personal/pay/cards/credit-cards/hdfc-bank-upi-rupay-credit-card and click on "Apply Online"

• Fill in your personal details, contact details, income details and existing HDFC Bank account number (if any)

• Submit your application and upload the required documents

• Verify your details using OTP and e-sign your application

• Your application will be processed and you will receive your virtual RuPay credit card details in your registered email ID.

Offline:

• Visit your nearest HDFC Bank branch and ask for a HDFC Bank UPI RuPay credit card application form

• Fill in the form with your personal details, contact details, income details and existing HDFC Bank account number (if any)

• Attach the required documents such as identity proof, address proof, income proof, etc.

• Submit your application and pay the joining fee

• Your application will be processed and you will receive your virtual RuPay credit card details in your registered email ID

How to link HDFC Bank UPI RuPay Credit Card In UPI apps

To link your HDFC Bank UPI RuPay credit card in UPI apps, you need to follow these steps:

• Download and register or open your UPI app (PayZapp, GPay, PhonePe, Mobikwik, PayTM, BHIM, Slice, etc.)

• Register your HDFC Bank UPI RuPay credit card by using your credit card PIN

• Make UPI payments using your credit card and enjoy the benefits

• Note: Credit card PIN set up is a pre-requisite for UPI registration. You can easily set your credit card PIN by calling 1860 266 0333.

Conclusion

HDFC Bank UPI RuPay credit card is a convenient and rewarding way to make UPI payments and regular credit card transactions. You can earn cashpoints on various spending categories and redeem them for statement balance or travel benefits or rewards catalogue. You can also enjoy interest free period, revolving credit, annual fee waiver and other features. You can apply for this card online or offline and link it to your UPI apps. If you are looking for a virtual RuPay credit card from HDFC Bank, you can consider this option.

FAQs

Sure, here are 10 frequently asked questions about HDFC Bank UPI RuPay Credit Card:

1. What is HDFC Bank UPI RuPay Credit Card?HDFC Bank UPI RuPay Credit Card is a credit card that is enabled for UPI payments. You can link your HDFC Bank UPI RuPay Credit Card in UPI apps and earn rewards for UPI purchases done using Credit Card.

2. What are the key features of HDFC Bank UPI RuPay Credit Card?The key features of HDFC Bank UPI RuPay Credit Card are:

• 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 (Excluding Rent, Wallet loads, EMI, Fuel, Insurance Payments & Government categories) (Maximum of 500 Points can be earned in a calendar month)

• Interest-free credit period of up to 50 days from the date of purchase (subject to the submission of the charge by the Merchant)

• Revolving Credit at nominal interest rate

• Renewal membership fee waived off by spending ₹25,000 and above in an annual year

• CashPoints earned on HDFC Bank UPI RuPay Credit Card can be redeemed against the statement balance at the rate of 1 CashPoint = ₹0.25, and can be done via Net Banking login, or physical redemption form

• CashPoints can also be used for redemption against travel benefits like Flight & Hotel bookings and also on Rewards Catalogue at the SmartBuy Rewards Portal, wherein Credit Card members can redeem up to a maximum of 50% of the booking value through CashPoints at a value of 1 CashPoint = ₹0.25 and the rest of the amount will have to be paid via the Credit Card.

1. What is the joining fee of HDFC Bank UPI RuPay Credit Card? There is no joining fee for HDFC Bank UPI RuPay Credit Card.

2. What is the renewal fee of HDFC Bank UPI RuPay Credit Card?The renewal fee of HDFC Bank UPI RuPay Credit Card is ₹500.

3. What is the interest rate on HDFC Bank UPI RuPay Credit Card?The interest rate on HDFC Bank UPI RuPay Credit Card is 3.49% per month.

4. How to link HDFC Bank RuPay UPI Credit Card in UPI Apps?You can link HDFC Bank RuPay UPI Credit Card in UPI Apps by following these steps:

5. Download & Register / Open your UPI app (PayZapp/ GPay/ PhonePe/ Mobikwik/ PayTM/ BHIM/ Slice)

6. Register HDFC Bank UPI RuPay Credit Card by using credit card PIN.

7. Make UPI Payments using credit cards & Enjoy credit card benefits.

8. Can I withdraw cash using HDFC Bank UPI RuPay Credit Card?Yes, you can withdraw cash using HDFC Bank UPI RuPay Credit Card. However, cash withdrawal charges will apply.

9. What is the cash withdrawal limit on HDFC Bank UPI RuPay Credit Card?The cash withdrawal limit on HDFC Bank UPI RuPay Credit Card is 40% of the credit limit.

10. What is the minimum amount due on HDFC Bank UPI RuPay Credit Card?The minimum amount due on HDFC Bank UPI RuPay Credit Card is 5% of the outstanding balance or ₹200, whichever is higher.

11. How to set up Credit Card PIN for HDFC Bank UPI RuPay Credit Card?You can set up Credit Card PIN for HDFC Bank UPI RuPay Credit Card by calling 1860 266 0333.