HDFC Bank UPI RuPay Credit

Joining Fee: 250
Renewal Fee: 250
Best Suited For: Shopping
Reward Type: Reward Points
Welcome Benefites: N/A

Apply Now

Add to Compare

HDFC Bank is the largest private sector bank in India and it recently introduced the UPI RuPay credit card that allows cardholders to link the card with their UPI ID and make transactions on UPI apps like Paytm, Mobikwik, PhonePe, Google Pay, etc. This is the first time that a credit card can be linked with UPI and used to make transactions. This card is launched by HDFC Bank to offer both convenience and easy credit to their customers as it allows safe and secure transactions on BHIM and other UPI apps. The UPI RuPay credit card offers up to 3% cashback on both UPI and regular transactions on certain spend categories. One thing about this card is that you just get it virtually and no physical card will be delivered to you. Read on to know more about the credit card and its offerings.

New Features

Spend Based Waiver

Renewal fee is waived off on spending Rs.25,000 or more in the previous year

Interest Rates

3.6% per month or 43.2% per annum

Add-on Card Fee

Nil

Rewards Redemption Fee

Rs. 99 plus taxes

Fuel Surcharge

Nil

Foreign Currency Markup

3.5% of the transactions amount

Cash Advance Charges

2.5% of the withdrawal amount or Rs. 500, whichever is higher

Movie & Dining

3% Cashpoints on Dining spends

Travel

N/A

International Lounge Access

N/A

Rewards Rate

3% Cashpoints on groceries, dining, and supermarket spends2% Cashpoints on utility spends1% Cashpoints on other spends, with some exclusions

Golf

N/A

Insurance Benefits

N/A

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

Domestic Lounge Access

N/A

Zero Liability Protection

Cardholders are not liable for fraud transactions if they report about the card loss or theft in a timely manner

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

Similar Cards

Add to Compare

Union Uni Carbon Credit Card

Union Uni Carbon credit card is a fuel card is offered in co-partnership with HPCL. The card rewards you on your fuel spendings by providing you with 4% cashback on every Rs 100 spent. You get 6 payback points on every Rs 100 on fuel transactions Union Uni Carbon credit card at HPCL fuel stations via the HP Pay app or POS. You can unlock bonus reward points on annual spending of Rs 1,25,000 in form of milestone benefits. Also, you get a spend-based waiver on annual spending of Rs 1,00,000 or above in the previous year. Furthermore, you also get a 1% fuel surcharge waiver on fuel transactions of Rs 200 or more. Read below to know more in detail about this credit card.

Add to Compare

Kotak Mojo Platinum Credit Card

Issued by the Kotak Mahindra bank, the Kotak Mojo Platinum Credit Card is aimed at providing its customers with great rewarding experiences. It earns you Rewards in the form of Mojo Points, which can be redeemed against various categories, including shopping, travel, etc, and even against the outstanding statement. With this card, you earn 1 Mojo Point on every offline spend of Rs. 100, and you earn extra Reward Points for your spends on online purchases and KayMall. You can also earn gift vouchers worth Rs. 1,000 every quarter on achieving the milestone spend. To give extra luxurious travel experiences, this card provides you with complimentary domestic lounge access every year. With such an affordable membership fee of Rs. 1,000 only, the card is providing you with all the benefits, which makes the annual fee totally worth it. Moreover, there are several ways in which you can save with this card, including the joining & renewal fee waiver, fuel & railway surcharge waiver, etc. Keep reading the following details to know all about the Kotak Mojo Platinum Credit Card:

Add to Compare

HPCL Bank of Baroda (BoB) ENERGIE Credit Card

Together with the Hindustan Petroleum Corporation Limited (HPCL), the Bank of Baroda recently launched a co-branded credit card – HPCL Bank of Baroda ENERGIE Credit Card. This credit card has been designed keeping in mind the hike in fuel prices. But even after the hike, fuel is an individual’s necessity but what better than being rewarded for the amount that you spend on your fuel purchases. There exists another HPCL co-branded credit card in the market which is the ICICI Bank HPCL Super Saver Credit Card. Both these cards are in direct competition with each other. The HPCL Bank of Baroda ENERGIE Credit Card comes with a joining and renewal fee of Rs. 499 which is quite genuine with respect to the rewards that this card offers to its holders. You can earn up to 24 Reward Points for every Rs. 150 spent on fuel purchases at the HPCL fuel stations. You are also entitled to a welcome benefit of 2,000 Reward Points with this credit card. There are various other benefits that cardholders will receive. Keep reading the article to know more about this credit card –

1 OFFER

Benefites of SBI Credit Card Total Benefits...

View Offers

Other Cards

View all