- Joining fee
Rs. 99 + GST
- Annual fee
Rs. 99 + GST
- Best suited for
Shopping
- Reward type
Reward Points
Rewards
- Rewards rate
3% Cashpoints on groceries, dining, and supermarket spends. 2% Cashpoints on utility spends. 1% Cashpoints on other spends, with some exclusions
- Reward redemption
The Cashpoints can be redeemed against card statement balance, hotel and flight ticket bookings, on the Smartbuy rewards portal, where 1 Cashpoints = Rs. 0.25
Benefits
- Movie & dining
3% Cashpoints on Dining spends
Fees & charges
- Spend-based waiver
Renewal Fee is Waived on Annual Spends of ₹25,000
- Rewards redemption fee
₹99 + GST
- Foreign currency markup
3.5% of the transactions amount
- Interest rates
3.6% per month or 43.2% per annum
- Cash advance charges
2.5% of the withdrawal amount or Rs. 500, whichever is higher
Product highlights
- 3% Cashpoints on supermarket, dining, grocery, and PayZapp spends
- 2% Cashpoints on Utility spends
- 1% Cashpoints on other spends excluding some spend categories
- Up to 50 days of interest-free credit period
- Renewal fee waiver on spending Rs. 25000 or more in the previous year
Pros & cons
Pros
- Earn CashPoints on both regular and UPI payments made with the credit card
- Get up to 3% CashPoints on grocery, supermarket, dining, and PayZapp spends
- The card is issued only virtually and there is no hassle of keeping the physical variant
Cons
- There are not many benefits apart from the UPI payments and cashback
- Many spend categories are excluded from earning cashback
FAQs
How to link the HDFC Bank RuPay UPI credit card with UPI applications?
Follow these steps to link your HDFC Bank RuPay UPI credit card with UPI apps – Open any of the UPI appls like Paytm, Google Pay, Phone Pe, Mobikwik, etc. Use your credit card pin to register the HDFC Bank UPI RuPay credit card in the application. Start making UPI payments with your credit card.
What is the joining and renewal fee of the credit card?
The joining and renewal fee of the HDFC Bank RuPay UPI credit card is Rs. 99 plus taxes. You can get the renewal fee waived on spending Rs. 25,000 or above in the previous year.
Do I get an interest-free period with the credit card?
With the HDFC Bank RuPay UPI credit card, you get up to 50 days of interest free credit period from the date of your purchase. The time period depends on when the merchant submits your charge.
What is the reward rate of this credit card?
With the HDFC Bank RuPay UPI credit card, you earn Cashpoints on both UPI payments as well as normal spends. You earn – 3% Cashpoints on your grocery, supermarket, dining, and PayZapp spends, capped at 500 Cashpoints maximum every month 2% Cashpoints on utility spends, capped at 500 Cashpoints maximum every month 1% Cashpoints on other spends, capped at 500 Cashpoints maximum every month.
Can I withdraw cash using this credit card?
Yes, it is possible to withdraw cash using the HDFC Bank RuPay UPI credit card. The cash withdrawal charges are 2.5% of the withdrawal amount or Rs. 500, whichever is higher.