HDFC Bank UPI RuPay Credit

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

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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

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