Question 1

How does a cardholder calculate cashpoints earned on monthly spends?

Accepted Answer

CashPoints are calculated on the spends made within the calendar month cycle and not basis statement cycle. Only settled transactions within the calendar month will be considered for CashPoints posting.

Question 2

Can a UPI RuPay Credit Card be used for UPI?

Accepted Answer

Yes, RuPay Credit Cards can be seamlessly used for UPI transactions. Users can download and register on their preferred UPI app, such as PayZapp, GPay, PhonePe, Mobikwik, PayTM, BHIM, or Slice. By registering the UPI RuPay Credit Card using the Credit Card PIN, users can make UPI payments and leverage the associated benefits, combining the strengths of Credit Cards on UPI platforms. Additionally, this card allows cash withdrawals at ATMs, providing users with a comprehensive financial tool for various transactions.

Question 3

How to set up a PIN for HDFC Bank UPI RuPay Credit Card?

Accepted Answer

Cardholder can set up a PIN for UPI RuPay Credit Card by calling IVR Toll number 1860 266 0333. Steps for IVR: Call IVR Toll number 1860 266 0333 from your registered mobile number, Enter the last 4 digits of the Cardholder credit card followed by hash (#), Dial 1 to generate a Credit card PIN, Again Dial 1 when prompted to Generate a One Time Password (OTP) to Cardholder mobile as an SMS and enter the 6-digit OTP, On successful entry of OTP, the IVR will confirm successful validation and ask the cardholder to set the 4-digit PIN followed by the hash(#) key.

Question 4

How RuPay UPI Credit Card Works?

Accepted Answer

To enjoy the benefits of a UPI RuPay Credit Card, users need to set a UPI PIN. This PIN is essential for UPI registration, ensuring a secure link between the Credit Card and UPI functionalities. Once registered, users can make UPI payments using their Credit Cards, experiencing the dual advantage of both Credit Card benefits and UPI transactions.

Question 5

What is RuPay UPI Credit Card?

Accepted Answer

RuPay UPI Credit Card combines the benefits of RuPay and UPI, offering a seamless fusion of credit card and UPI functionalities. This RuPay Credit Card for UPI serves as a versatile financial tool, allowing users to make secure transactions both as a Credit Card and through UPI platforms.

Question 6

How to Apply for a UPI RuPay Credit Card?

Accepted Answer

a. If you are an existing HDFC Bank credit card holder: MyCards: You can quickly apply online or PayZapp: If you have PayZapp app, just head to the Credit Card section to get started. b. If you don't have any HDFC Bank credit card: Apply for any Visa / Mastercard / Diners credit card from HDFC Bank website as your Primary Credit Card, Ask to get an additional UPI RuPay Credit card with your Primary Credit Card, Get your UPI RuPay Credit Card when your Primary Card is issued

Question 7

How can the cardholder know the delivery status of the UPI RuPay Credit Card?

Accepted Answer

Since the UPI RuPay Card is a virtual card, no physical card will be delivered. An SMS will be triggered to the cardholder once the UPI RuPay credit card is issued and cardholder can view the complete details on MyCards platform.

Question 8

Is there any capping for CashPoints earned on a UPI RuPay Credit Card?

Accepted Answer

Please note that there is a calendar month capping on CashPoints accrued on the below-mentioned features. Maximum capping for 3% CashPoints on groceries, supermarket, Dining & all PayZapp transactions is 500 Points. Maximum capping for 2% CashPoints on utility spends is 500 points. Maximum capping for 1% CashPoints on other spends is 500 points

Question 9

Can UPI RuPay Credit Card be availed as a standalone or Fresh Credit Card?

Accepted Answer

No, the UPI RuPay Credit Card will be issued as an additional floater card only and not as a standalone card or fresh Credit Card.

Question 10

What are the other benefits of the UPI RuPay Credit Card?

Accepted Answer

Interest-Free Credit Period: Avail up to 50 days of interest-free period on UPI RuPay Credit Card from the date of purchase (subject to the submission of the charge by the Merchant). Rewards on UPI Spends: Cardholders can link UPI Credit Card in UPI Apps and earn cashpoints for UPI purchases

Question 11

How to link/Register HDFC Bank UPI RuPay Credit Card in UPI Apps?

Accepted Answer

Step 1: Download/open UPI app and register UPI Rupay Credit Card using the credi. Step 2: Register UPI RuPay Credit Card in UPI apps by using credit card details & PIN. Step 3: Make UPI payments using UPI RuPay Credit Card & enjoy Credit Card benefits even on UPI payments. Note: Cardholder need to setup credit card PIN before linking/registering the card in UPI Apps.

Question 12

Will the cardholder get any surcharge waiver on fuel purchases done using UPI RuPay Credit Card via UPI mode?

Accepted Answer

There is no fuel surcharge applicable on UPI payments. Therefore, no fuel surcharge waiver will be provided, however w.e.f 1st Oct 2025, 1% fee will be levied on Fuel transaction exceeding Rs 15,000. Fee capped at Rs 4999 per transaction

Question 13

As a cardholder I am not getting CashPoints on all spends, why so?

Accepted Answer

CashBack shall not be eligible for the following spends/transactions on the card: Fuel spends, Cash advances, Payment of outstanding balances, Payment of card fees and other charges, All EMI spends (Merchant EMI/ Smart EMI / Dial an EMI etc), Wallet spends, Rent payments, Government related spends. If a cardholder breaches the monthly cycle capping of the product features, then CashPoints shall not be rewarded for the spends done beyond the monthly capping.

Question 14

How will a cardholder get cashback on EMI spends?

Accepted Answer

No. EMI spends shall not earn any CashPoints

Question 15

What documents are required for a UPI RuPay Credit Card?

Accepted Answer

No document proof is required for applying UPI RuPay Credit card.

Question 16

Cardholder did a transaction in the groceries, and supermarket category and didn't get CashPoints as per the 3% cashback feature?

Accepted Answer

CashPoints of 3% will be calculated basis the Merchant Category Code (MCC) shared by the RuPay network. If in case the MCC is not available in the set-up, such transactions will not qualify for the benefit. Only Below mentioned MCCs will be considered for cashpoints posting Merchant category & MCC code: Grocery & supermarket 5411, Dining 5812, 5814

Question 17

What are cashpoints?

Accepted Answer

CashPoints are an exclusive rewards metric system created by HDFC Bank for credit cardholders which can be used towards cashback redemption against the statement at the rate of 1 CashPoint = ₹0.25 for UPI RuPay Credit Card Holders. Please note that CashPoints will be posted as reward points only.

Question 18

Cardholder did a transaction in the utility category and didn't get CashPoints as per the 2% cashback feature?

Accepted Answer

CashPoints of 2% will be calculated basis the Merchant Category Code (MCC) shared by the RuPay network. If in case the MCC is not available in the set-up, such transactions will not qualify for the benefit. Only 4900 Merchant Category code (MCC) as defined by RuPay Card Network is considered under utility spends

Question 19

What are the key features of the UPI RuPay Credit Card?

Accepted Answer

3% CashPoints on groceries, supermarket, dining & all PayZapp transactions. 2% CashPoints on utility spends. 1% CashPoints on other spends. Except for fuel, rent payments, EMI spends, Govt related transactions and wallet/ gift /prepaid card loads & voucher purchase transactions.

Question 20

Can the cardholder use UPI RuPay Credit Card for normal credit card Ecom transactions?

Accepted Answer

Yes, cardholders can use this card for normal Ecom purchases as well as UPI purchases.

Question 21

Will the cardholder get cashpoints for UPI Purchases done Via UPI RuPay Credit Card?

Accepted Answer

Yes, Cardholder will earn cashpoints for both UPI spends as well normal credit card Ecom spends ( As per the maximum cashpoints capping mentioned in Question 1)

Question 22

Can the cardholder opt for Physical HDFC Bank UPI RuPay Credit Card?

Accepted Answer

No, UPI RuPay Credit Card will be issued only as virtual card and no physical card will be issued.

Question 23

What are the Fees and Charges applicable on the UPI RuPay Credit Card?

Accepted Answer

First Year Membership Fee of ₹99 + applicable taxes and renewal membership Fee of ₹99 + applicable taxes. Spend ₹25,000 in 12 months (Annual year) and get the renewal fee waived for the next renewal year.

Question 24

How can a cardholder use the CashBack earned?

Accepted Answer

CashBack is a CashPoints that can be redeemed against the statement balance at a rate of 1 CashPoint = ₹0.25, via net banking or offline redemption on flights, hotel bookings, and rewards catalogue at the SmartBuy rewards portal. A minimum of 500 cashpoints is required for redemption. Maximum of 50% of the booking value can be redeemed through CashPoints. CashPoints are valid for 2 years from the date of accumulation.

Question 25

What is the minimum transaction amount that is eligible for cashpoints under 3%, 2% & 1% features?

Accepted Answer

Minimum transaction amounts of ₹100 & above only are eligible for cashpoints posting for 3%, 2% and 1% features

Question 26

Which UPI app allows Credit Card?

Accepted Answer

RuPay UPI Credit Card functionality is compatible with various UPI apps, offering users flexibility in choosing their preferred platform. Users can seamlessly link and use their RuPay Credit Card on popular UPI apps like PayZapp, GPay, PhonePe, Mobikwik, PayTM, BHIM, and Slice, enhancing accessibility

Category	Rate	Cap
Groceries, Supermarket, Dining, Payzapp	—	—
Utility Bills	—	—
Other Spends	—	—

Category	Rate	Cap
Groceries, Supermarket, Dining, Payzapp	—	—
Utility Bills	—	—
Other Spends	—	—

HDFC Bank UPI RuPay Credit Card

Rewards

Milestone benefits

Fees & charges

Eligibility

Features

FAQs

Explore related credit cards

PhonePe HDFC Bank Ultimo Credit Card

HDFC Diners Club Black Credit Card

Regalia Activ Credit Card

HDFC Bank UPI RuPay Credit Card

Rewards

Milestone benefits

Fees & charges

Eligibility

Features

FAQs

Explore related credit cards

PhonePe HDFC Bank Ultimo Credit Card

HDFC Diners Club Black Credit Card

Regalia Activ Credit Card

HDFC Bank UPI RuPay Credit Card

Explore related credit cards

Guides and tools

HDFC Bank UPI RuPay Credit Card

Explore related credit cards

Guides and tools