HDFC Bank UPI RuPay Biz Credit Card
- Joining fee
₹99 + GST
- Annual fee
₹99 + GST
- Best suited for
Shopping
- Reward type
Cashback
Rewards
- Rewards rate
3% Cashpoints on Groceries, SuperMarket, and Dining expenses; 2% Cashpoints on utility spends & 1% Cashpoints on every other expense.
- Reward redemption
Cashpoint earned can be redeemed against the statement balance, flights, and hotel bookings, rate of 1 Cashpoint = Rs. 0.25
Benefits
- Movie & dining
3% Cashpoints on dining expenses
- Travel
Cashpoints can be redeemed against the flight and hotel bookings
Fees & charges
- Spend-based waiver
Renewal fee waived if last year’s expenses were more than Rs. 25,000
- Rewards redemption fee
Nil
- Foreign currency markup
3.5% on the transacted amount
- Interest rates
3.60% monthly and 43.20% annually
- Fuel surcharge waiver
1% fuel surcharge waiver
- Cash advance charges
2.5% or Rs. 500, whichever is higher
Product highlights
- 3% Cashpoints on groceries, Super Market, and Dining expenses
- 2% cash points on all the Utility spends.
- 1% Cashpoints on every other spend.
- 50 days of the interest-free period.
- Renewal membership fee waiver at a minimum spend of Rs. 25,000.
- Cashpoints accumulated against the expenses can be redeemed against the flight bookings, hotel bookings, the statement, etc.
- 1% fuel surcharge waiver.
FAQs
Can I redeem the Cashpoints against monthly credit card bill?
Yes, the Cashpoints accumulated can be redeemed against the monthly bill only if the Cashpoint value is more than Rs. 500.
What are the interest rates with this credit card?
The interest rates applied with this credit card is 3.60% on a monthly basis and 43.20% on an annual basis.
What is the maximum amount of cashpoints one can accumulate with Grocery shopping per month?
You can collect a maximum of 500 cashpoints against all your grocery shopping in a month.
What is the reward redemption rate with this HDFC Bank UPI RuPay Biz Credit Card?
You can redeem the cashpoint a rate of Rs. 0.25 on every cashpoint.