Experience the future of seamless transactions with the HDFC Bank UPI RuPay Credit Card, designed for UPI payments. Unlock a world of rewards by linking your HDFC Bank UPI RuPay Credit Card to UPI apps, and earn enticing cash points for every UPI purchase made using your Credit Card.
Discover the Digital Advantage
Gone are the days of physical cards! The HDFC Bank UPI RuPay Credit Card is issued as a virtual-only card, eliminating the need for a physical card. You can conveniently access all the essential documents, including your Card Member Agreement, Most Important Terms & Conditions, and other relevant details digitally.
Key Features and Rewards
Unleash the potential of your HDFC Bank UPI RuPay Credit Card with these exciting cash points and benefits:
- 3% Cashpoints on Groceries, SuperMarket & Dining Spends and all PayZapp transactions (Maximum of 500 Points can be earned in a calendar month).
- 2% Cashpoints on Utility Spends (Maximum of 500 Points can be earned in a calendar month).
- 1% Cashpoints on Other Spends (Excluding Rent, Wallet loads, EMI, Fuel & Government categories) (Maximum of 500 Points can be earned in a calendar month).
It’s important to note that these fantastic benefits apply not only to UPI purchases made using the UPI RuPay Credit Card but also to purchases made directly using the UPI RuPay Credit Card.
Unleashing Additional Features
Apart from the impressive key features, the HDFC Bank UPI RuPay Credit Card offers additional benefits to enhance your experience:
- UPI Benefits: Link your HDFC Bank RuPay UPI Credit Card with select UPI Apps like BHIM, MobiKwik & Paytm, and enjoy the convenience of UPI transactions while still earning reward points through your Credit Card.
- Interest-Free Credit Period: Avail up to 50 days of interest-free credit from the date of purchase (subject to the submission of the charge by the Merchant).
- Revolving Credit: Enjoy revolving credit on your HDFC Bank UPI RuPay Credit Card at a nominal interest rate.
- Renewal Offer: Spend ₹50,000 or more in an annual year to have your renewal membership fee waived off.
Maximize Your Rewards
Discover the versatility of your CashPoints earned with the HDFC Bank UPI RuPay Credit Card:
- CashPoint Redemption against Statement Balance: Each CashPoint is equivalent to ₹0.25 and can be redeemed against your statement balance easily through Net Banking login, Phone Banking, or physical redemption form.
- Travel Benefits: Redeem CashPoints for Flight & Hotel bookings or explore the exciting Rewards Catalogue at the SmartBuy Rewards Portal. Here, you can use up to 50% of the booking value through CashPoints (1 CashPoint = ₹0.25), with the remaining amount payable via the Credit Card.
- Capped Redemption Limits: Please note that as of 1st January 2023, reward points redemption for flights & hotels bookings is capped at 50,000 per calendar month. As of 1st February 2023, reward points redemption for CashBack is capped at 50,000 rewards points per calendar month. Additionally, cardmembers can redeem up to 70% of product/voucher value through reward points on select vouchers/products and pay the remaining amount via Credit card.
- Minimum CashPoints Requirement: To redeem against your statement balance, you must have a minimum of ₹500 equivalent in CashPoints.
- CashPoint Validity: CashPoints earned on your HDFC Bank UPI RuPay Credit Card remain valid for 2 years from the date of the transaction. For example, if you receive Reward Points in August 2021, they will expire in August 2023.
Fees and Charges
Stay informed about the associated fees and charges for your HDFC Bank UPI RuPay Credit Card:
- Joining/Renewal Membership Fee: ₹250/- + Applicable Taxes.
- Renewal Fee Waiver: Spend ₹25,000 or more in an annual year before your Credit Card renewal date, and get your renewal fee waived off from the second year onwards.
Conclusion
The HDFC Bank UPI RuPay Credit Card is a game-changer in the world of credit and convenience. Embrace this digital revolution and enjoy a host of rewards and benefits, making every transaction a rewarding experience. Link your card with UPI apps, explore the various cashback options, and make the most of your CashPoints. With this card, you’re not just making purchases; you’re unlocking a world of possibilities! To get started, click here for more information.
Remember, the future of credit and convenience is in your hands with the HDFC Bank UPI RuPay Credit Card!