CashbackEntryRuPay

HDFC Bank UPI RuPay Credit Card

UPI rewards without the premium price tag

Annual fee₹99Waived on ₹0.3L spend

Rewards1% CashPoints on all other spends

Forex markup—

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Rewards

Base earn rate

1% CashPoints on all other spends

CashPoints

Excludes: Fuel, Rent, Wallet Loads, Emi, Insurance, Government

Category	Details
Groceries, supermarket, dining, payzapp	3% CashPoints on groceries, supermarket, dining & all PayZapp transactions. Maximum capping for 3% CashPoints on groceries, supermarket, Dining & all PayZapp transactions is 500 Points
Utility bills	2% CashPoints on all utility payments. Maximum capping for 2% CashPoints on utility spends is 500 points
Other spends	1% CashPoints on all other spends. Maximum capping for 1% CashPoints on other spends is 500 points

Redemption options

Cashback statement:₹0.25 per pointSmartbuy unified:₹0.25 per pointProduct catalogue:₹0.25 per pointAirmiles:₹0.25 per point

Cashback categories

CashPoints earned can be redeemed as cashback against statement balance at 1 CashPoint = ₹0.25

Credit cycle: calendar_month

• Unredeemed cashpoints will expire/ lapse after 2 years of accumulation
• Minimum redemption: 500 points

Milestone benefits

Renewal membership fee waived off

Fees & charges

Joining fee: First Year Membership Fee of ₹99 + applicable taxes
Annual / renewal fee: renewal membership Fee of ₹99 + applicable taxes
Annual fee waiver: Spend ₹25,000 in 12 months (Annual year) and get the renewal fee waived for the next renewal year
Interest-free period: 50 days
Fuel surcharge: 100% waiver

Eligibility

No document proof is required for applying UPI RuPay Credit card. 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. If you are an existing HDFC Bank credit card holder, you can apply via MyCards or PayZapp. If you don't have any HDFC Bank credit card, you need to apply for any Visa / Mastercard / Diners credit card from HDFC Bank website as your Primary Credit Card and ask to get an additional UPI RuPay Credit card with your Primary Credit Card

Features

✓ Chip & PIN✓ UPI linkage

Additional features

Virtual card only - no physical card issued
Link to any UPI app (PayZapp, GPay, PhonePe, Mobikwik, PayTM, BHIM, Slice)
Earn CashPoints on UPI transactions
Interest-free credit period up to 50 days
ATM cash withdrawal available

No rewards on

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

Card management via MyCards.

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Joining₹999

Annual₹999/yr

Reward1%Assumes 1 Reward Point = Re.1 when redeemed as cashback against statement credit (issuer's primary redemption path); min 500 RP to redeem, max cashback redemption ₹7,500 per calendar month. SmartBuy path only Re.0.3/RP.

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RuPay

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