HDFC Bank UPI Rupay Credit Card

HDFC Bank UPI Rupay Credit Card

Shopping | Rewards | Cashback

4.2/5 ★★★★★

The HDFC Bank UPI RuPay Credit Card is a cutting-edge virtual card that merges the convenience of UPI transactions with traditional credit card benefits. For a joining fee of just INR 99, this card offers lucrative cash points on a variety of spending categories, including groceries and dining. Financial flexibility is a key feature, with an interest-free period of up to 50 days and a waived annual fee for those who spend INR 25,000 or more in a year. Aimed at both salaried and self-employed individuals, this card offers an all-in-one solution for modern spending habits. Get set to amplify your rewards and simplify your financial life with this standout offering from HDFC Bank.

Category

Shopping , Rewards , Cashback

Minimum Credit Score Required

3

Check free credit score

APR

45% annual percentage rate

Features

  • Earn 3% cash points on groceries, supermarkets, dining, and PayZapp transaction expenses. (A cap of 500 points can be accumulated in one calendar month).
  • By spending more than ₹25,000 in a year, you can have the renewal membership fee revoked.
  • Enjoy an interest-free period of up to 50 days with your HDFC Bank UPI RuPay Credit Card from the purchase date.
  • Eligibility Requirements

  • Age: 18-65 years
  • Monthly Income: ₹20,000 minimum
  • ITR: ₹4,00,000 (for non-salaried)
  • Credit Score: 3 minimum
  • Welcome Offer

  • Discount on Hotel Stays, Flight Bookings, and SmartBuy on redemption of cashpoints!
  • Card Fee

    Annual Fee: ₹ 250 /- *Applicable Taxes

    Joining Fee: ₹ 250 /- *Applicable Taxes

    Foreign Transaction Fee

    3.5 *Applicable Taxes

    Fraud Liability

    Zero Lost Liability Cover