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

Etihad Guest SBI Premier Credit Card

SBI tied up with the UAE-based Etihad Airways airline and launched two travel credit cards in 2019: Etihad Guest SBI Credit Card and Etihad Guest SBI Premier Card. Needless to say, the Premier version offers more benefits and also carries a higher annual fee. Back then, the travel industry was one of the booming industries in the country. SBI probably launched this card considering that the travel-related spends accounted for 33% of the overall card spends in the SBI credit card portfolio at the time of launch of the card (certainly not the case now, due to the COVID pandemic). Also, Dubai is one of the favorite destinations among Indian travelers as there is a fairly large diaspora of NRIs in Dubai and many Indian HNIs (high net-worth individuals) frequently travel to Dubai on business trips. Etihad Guest SBI Premier card earns you Etihad Airways AirMiles (called Etihad Guest Miles) for every Rs. 100 spent using the card (number of AirMiles earned varies depending upon the category of spends). You also get many travel-related welcome benefits and milestone advantages with the premier card. Keep reading to know more about the card:

Add to Compare

YES First Business Card

YES FIRST Business Credit Card by the Yes bank has been designed to deliver the best privileges to businesses with tons of benefits. The YES bank has launched two business cards till now which are, YES FIRST Business Credit Card and YES PROSPERITY Business Credit Card. The card delivers exciting Reward Points for all business transactions and benefits in travel, fuel, and redemption options across various categories including Air Travel, Hotel Stays, accessories, and more. The First Business card offers tons of reward points on all categories as well as on select categories. Apart from that, the card provides great milestone benefits, a fuel surcharge waiver, and spend based fee waiver. The best part is that the Foreign Currency Markup on the card is 1.75% only. This is a very low rate as compared to other cards. Also, the card offers great travel benefits like complimentary international lounge access with the Priority Pass Membership for Mastercard cardholders and LoungeKey Program for VISA Cardholders. Along with international access, the card also offers domestic lounge access for VISA cardholders. On top of that, 1 complimentary lesson is also offered with the First Business card. Refer to the followings details, to get a more thorough review of the card:

Add to Compare

ICICI Bank Platinum Identity Credit Card

ICICI Bank Platinum Identity Credit Card is a basic entry-level credit card from the Bank. You earn Hand-picked Rewards on your Platinum Identity account for incremental spends of Rs. 200 and accelerated Hand-picked Rewards on crossing the stipulated annual spends-based thresholds. You have to pay an initial joining fee of Rs. 2,000 for the Platinum Identity Card and a membership fee of Rs. 750 per annum is applicable second year onwards. Read on to learn more about this entry-level offering by ICICI Bank.

1 OFFER

Benefites of SBI Credit Card Total Benefits...

View Offers

Other Cards

View all