Key Highlights of HDFC Bank RuPay Credit Card

Following are the key highlights of HDFC Bank UPI RuPay Credit Card:

Joining feeRs. 250 
Annual feeRs. 250
Benefits Cashpoints on all transactions, renewal membership fee waiver, up to 50 days of interest-free period, etc. 
Cashpoints 3% Cashpoints on groceries, supermarket, dining & PayZapp transactions, 2% Cashpoints on utility spends, and 1% Cashpoint on other spends.
Foreign currency transaction fee3.5% of the transaction value

HDFC Credit Card Offer

Features & Benefits of HDFC Bank UPI RuPay Credit Card

HDFC Bank UPI RuPay Credit Card is loaded with the following attractive features and benefits:


  • 3% Cashpoints on groceries, supermarket, dining and PayZapp transactions. 
  • 2% Cashpoints on utility spends.
  • 1% Cashpoint on other spends, excluding rent, wallet loads, EMIs, fuel and government categories.
  • You can earn a maximum of 500 points in a calendar month.
  • The above benefits are valid for both UPI as well as regular credit card spending.

Interest-Free Credit Period

  • Avail up to 50 days of interest-free period on your HDFC Bank UPI RuPay Credit Card from the date of purchase. 
  • The facility is subject to the submission of the charge by the Merchant.

Revolving Credit

  • A revolving credit facility on available on the card at a nominal interest rate. 
  • Refer to the Fees and Charges section for more details.

Renewal Fee Waiver

  • Get the renewal membership fee of Rs. 250 waived off. 
  • To avail of this benefit you have to spend Rs. 25,000 and above in an annual year

HDFC Bank UPI RuPay Credit Card Cashpoint Redemption Program

  • The accumulated Cashpoints can be redeemed against the statement balance at the rate of 1 CashPoint = Rs. 0.25.
  • Cashpoints can also be redeemed against travel benefits like flight and hotel bookings. Credit card members can also redeem cashpoints on the Rewards Catalogue at the SmartBuy Rewards Portal where you can redeem up to 50% of the booking value through cashpoints at a value of 1 CashPoint = Rs. 0.25 and the rest of the amount will have to be paid via the card.
  • With effect from 01.01.2023, cashpoints redemption for flight and hotel bookings are capped at 50,000 per calendar month.
  • With effect from 01.02.2023, cardmembers can redeem up to 70% of product/voucher value through cashpoints on select vouchers/products and pay the remaining amount via card.
  • For redemption against the statement balance, the cardholder must have minimum cashpoints equivalent to Rs. 500.
  • Earned cashpoints are valid only for 2 years from the date of the transaction. 

HDFC Bank UPI RuPay Credit Card Fee & Charges

The HDFC Bank UPI RuPay Credit Card charges are mentioned below in detail:

  • Joining fee: Rs. 250.
  • Annual fee: Rs. 250. Waived off on annual spending more than Rs. 25,000. 
  • Cash advance fee: 2.5% or Rs. 500, whichever is higher. 
  • Overlimit penalty: 2.5% of the over-limit amount (minimum Rs. 550).
  • Payment return charges: 2% of the payment amount (minimum Rs. 450).
  • Foreign currency transaction fee: 3.5% of the transaction value.
  • Cash processing fee: Rs. 100 will be charged for all card payments in HDFC Bank branches or ATMs.
  • Rewards redemption fee: Rs. 99 per redemption request.
  • Railway ticket purchase fee: 1% of the transaction amount + GST. Charges will be reversed after the transaction. 
  • Balance transfer processing charges: 1% of the transfer amount or Rs. 250, whichever is higher. 
  • Duplicate physical statement charges: Rs. 10 per duplicate physical statement.
  • Insta Loan & Jumbo Loan processing fee: Rs. 999 + GST.
  • Smart EMI processing fee: Rs. 499 + GST
  • Pre-closure charges for Insta Loan, Jumbo Loan & Smart EMI: 3% of the principal outstanding.
  • Rent pay transaction fee: 1% fee of transaction amount. 
  • Card validation charges: Rs. 2.
  • Reissuance of lost, stolen or damaged card: Rs. 100 
  • Outstation cheque processing charge: Rs. 25 for cheque value up to Rs. 5,000 & Rs. 50 for above Rs. 5,000.
  • Dynamic currency conversion markup fee: 1%.
  • Finance charges for revolving credit & cash advances: 3.60% p.m. (43.20% p.a.).

Steps to Link HDFC Bank RuPay UPI Credit Card in UPI Apps: 

Credit Card PIN set-up is a pre-requisite for UPI registration. You can easily set your card PIN by calling 1860 266 0333. After that:

  • Download and register/ open your UPI app (PayZapp/ GPay/ PhonePe/ Mobikwik/ PayTM/ BHIM/ Slice).
  • Then register the HDFC Bank UPI RuPay Credit Card by using your credit card PIN.
  • You can now easily make UPI Payments using credit cards and enjoy credit card benefits

How to Make Payment with HDFC Bank RuPay Credit Card on UPI?

  • Scan merchant UPI QR Code
  • Then enter the amount and select Credit Account.
  • Select HDFC Bank RuPay Credit Card account and UPI PIN.

How to Apply for an HDFC Bank RuPay Credit Card on UPI?

If you want to have an HDFC Bank RuPay Credit Card on UPI apply online either through the official website of the bank or via MyMoneyMantra by following the steps given below:

  • Check your eligibility first for the HDFC Bank RuPay Credit Card by clicking 'Check Eligibility'.
  • Then enter the required details.
  • Upload your documents as required for completing the application.
  • You can track your credit card application by using the tracking ID with the 'Track Application' process.

Some Other HDFC Bank Credit Card

Apart from HDFC Bank UPI RuPay Credit Card, HDFC Bank offers the following credit cards:

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HDFC Bank UPI Rupay Credit Card FAQs

What are the requirements for linking HDFC Bank RuPay Credit Card to the UPI Payment app?


Set up HDFC Bank RuPay Credit Card PIN before linking the credit card to UPI apps. HDFC Bank Credit Card PIN can be set up by calling 1860 266 0333.

Is there any limit on the transaction amount that can be carried out from the linked credit card on UPI?


Yes. The maximum amount limit per card per day is up to the available UPI limit (i.e., Rs. 1 Lakh per day and Rs. 2 Lakh for some special MCC codes i.e. 5960, 6300 & 6529). However, it will be subject to the available credit limit on your credit card. The amount limit per day per card is Rs. 5,000 for the first 24 hours of linking the card in the UPI app.

Will I be charged for linking/ carrying out any transaction from the linked credit card on UPI?


No. There are no charges levied on linking/ carrying out any transaction from the linked credit card on UPI.

If I renew my HDFC Bank RuPay Credit Card, do I need to link it again in UPI?


Yes, if your card is renewed/replaced, you need to re-register in UPI with updated credit card details.

Will I earn any reward points for UPI spending using my card?


Yes, UPI spends using your HDFC Bank RuPay Credit Card will earn reward points (excluding categories as per the card’s product features/Terms and conditions). 

Is there any limit on the reward points that can be earned on UPI spends through the card?


Yes, a maximum of 500 reward points can be earned in a calendar month on UPI spends through a RuPay Credit Card.

Is there any surcharge waiver on fuel purchases done with a RuPay Credit Card via UPI mode?


No, there is no fuel surcharge waiver applicable on UPI payments.