HDFC Bank UPI RuPay Credit Card

Joining Fee

₹99

Annual Fee

Rs. 99 + Taxes

Rewards

HDFC Bank UPI RuPay Credit Card

Key Benefits & Features

Detailed benefits inside

Eligibility Criteria

Age Requirement

18+ Years

Occupation

SALARIEDSELF_EMPLOYEDRETIREDSTUDENT

About HDFC Bank UPI RuPay Credit Card

The HDFC Bank UPI RuPay Credit Card is designed to bring together the convenience of UPI payments with the rewarding benefits of a traditional credit card. Positioned under HDFC Bank's digital credit card offerings, this card appeals to customers who prefer the simplicity and speed of UPI transactions while still enjoying the advantages that come with credit card usage. Its core proposition, as highlighted by the bank, is the seamless combination of UPI accessibility and credit card benefits in a single product. This card is part of HDFC Bank's broader digital-first credit card lineup, sitting alongside other innovative offerings such as the PIXEL Play and PIXEL Go credit cards. It operates on the RuPay network, making it well-suited for users who transact frequently through UPI-enabled platforms. The card reflects HDFC Bank's commitment to modernizing everyday payments by allowing cardholders to leverage credit at UPI-accepting merchants, a feature that significantly expands its usability across a wide range of digital and in-store payment scenarios. Overall, the HDFC Bank UPI RuPay Credit Card is best suited for digitally active individuals looking for a practical and versatile financial tool that bridges the gap between UPI convenience and credit card rewards, making everyday transactions more rewarding and effortless.

Frequently Asked QuestionsAbout HDFC Bank UPI RuPay Credit Card

OTHERWhat is the HDFC Bank UPI RuPay Credit Card?
The HDFC Bank UPI RuPay Credit Card is a unique credit card that combines the convenience of UPI payments with the benefits of a traditional credit card. It runs on the RuPay network and allows cardholders to make UPI-based transactions while enjoying credit card rewards and benefits. This card is designed for customers who prefer the simplicity of UPI payments without giving up credit card advantages.
FEESWhat are the joining and annual fees for the HDFC Bank UPI RuPay Credit Card?
The HDFC Bank UPI RuPay Credit Card comes with no joining fee and no annual fee, making it a zero-fee credit card. This makes it an excellent choice for customers who want to enjoy credit card benefits and UPI convenience without worrying about recurring charges. Please check the HDFC Bank official website or contact customer support for the latest fee structure, as charges may be updated periodically.
USAGEHow can I use UPI with the HDFC Bank UPI RuPay Credit Card?
The HDFC Bank UPI RuPay Credit Card can be linked to any UPI-enabled app, allowing you to make UPI payments directly using your credit card limit. Simply add the card to your preferred UPI app, set it as your payment source, and scan any UPI QR code or use a UPI ID to complete transactions. This means you can pay at millions of UPI-enabled merchants while enjoying credit card benefits like reward points.
OTHERWhat network does the HDFC Bank UPI RuPay Credit Card operate on?
The HDFC Bank UPI RuPay Credit Card operates on the RuPay network, which is India's domestic card payment network. Being a RuPay card, it supports UPI-based credit transactions, allowing seamless payments across millions of UPI-enabled merchants across India. The RuPay network is widely accepted at POS terminals, online merchants, and ATMs throughout the country.
REWARDSWhat reward benefits does the HDFC Bank UPI RuPay Credit Card offer?
The HDFC Bank UPI RuPay Credit Card offers reward benefits on eligible transactions made using the card, including UPI payments. Cardholders can earn reward points on their spending, which can be redeemed for various benefits. For a detailed and up-to-date list of reward rates, categories, and redemption options, it is recommended to visit the HDFC Bank official website or contact their customer support team.
APPLICATIONHow do I apply for the HDFC Bank UPI RuPay Credit Card?
You can apply for the HDFC Bank UPI RuPay Credit Card through multiple channels: visit the HDFC Bank official website and fill out the Credit Card Application Form online, apply via the HDFC Bank Mobile App or NetBanking, visit your nearest HDFC Bank branch, or use the Xpressway portal for quick applications. You can also check for pre-approved offers through the HDFC Bank website if you are an existing customer.
DOCUMENTSWhat documents are required to apply for the HDFC Bank UPI RuPay Credit Card?
To apply for the HDFC Bank UPI RuPay Credit Card, you will typically need: a valid identity proof (Aadhaar card, PAN card, or passport), address proof (utility bill, Aadhaar, or passport), recent passport-size photographs, and income proof such as salary slips or bank statements for salaried individuals, or ITR and business proof for self-employed applicants. Ensure your KYC documents are up to date with HDFC Bank before applying.
ELIGIBILITYWhat are the eligibility criteria for the HDFC Bank UPI RuPay Credit Card?
To be eligible for the HDFC Bank UPI RuPay Credit Card, applicants generally need to be Indian residents with a valid savings or current account. Both salaried and self-employed individuals may apply. A good credit score and stable income are typically required. Specific age and income criteria apply, and it is advisable to visit the HDFC Bank website or contact customer care for the most current eligibility requirements before applying.
INTERNATIONALCan I use the HDFC Bank UPI RuPay Credit Card for international transactions?
The HDFC Bank UPI RuPay Credit Card is primarily designed for domestic use in India, as it operates on the RuPay network with UPI functionality. RuPay cards have limited international acceptance compared to Visa or Mastercard networks. However, RuPay's international acceptance is expanding. For frequent international travelers, HDFC Bank offers other credit cards like the Regalia Gold or Infinia. Please check with HDFC Bank for the latest international acceptance details for this card.
APPLICATIONHow can I track my HDFC Bank UPI RuPay Credit Card application status?
You can track your HDFC Bank UPI RuPay Credit Card application status through several methods: visit the HDFC Bank website and use the 'Track Your Application Status' feature under the Credit Cards section, log in to your NetBanking account, use the HDFC Bank Mobile App, or contact HDFC Bank customer care. You will need your application reference number or registered mobile number to check the status.
USAGEHow can I activate my HDFC Bank UPI RuPay Credit Card?
You can activate your HDFC Bank UPI RuPay Credit Card through multiple options: log in to HDFC Bank NetBanking and use the card activation feature, use the HDFC Bank Mobile App, visit an HDFC Bank ATM and generate your PIN, call HDFC Bank customer care, or use the MyCards portal. Once activated, you can link the card to your preferred UPI app to start making UPI-based credit transactions immediately.
CANCELLATIONHow can I cancel or close my HDFC Bank UPI RuPay Credit Card?
To cancel or close your HDFC Bank UPI RuPay Credit Card, you can contact HDFC Bank customer care through phone banking or visit your nearest HDFC Bank branch. You may also raise a cancellation request through NetBanking or the HDFC Bank Mobile App. Ensure all outstanding dues are cleared before requesting cancellation. It is advisable to redeem any accumulated reward points before closing the card, as they may be forfeited upon cancellation.
USAGEHow do I manage my HDFC Bank UPI RuPay Credit Card account?
You can manage your HDFC Bank UPI RuPay Credit Card through the HDFC Bank Credit Card Portal, MyCards platform, HDFC Bank Mobile App, or NetBanking. These platforms allow you to view statements, pay bills, set card controls, check reward points, enhance your credit limit, block or activate the card, and update personal details. You can also use the HDFC Bank SmartBuy portal to redeem rewards and access exclusive offers.
OTHERWhat should I do if my HDFC Bank UPI RuPay Credit Card is lost or stolen?
If your HDFC Bank UPI RuPay Credit Card is lost or stolen, you should immediately block the card to prevent unauthorized transactions. You can block the card instantly through the HDFC Bank Mobile App, NetBanking under the 'Block My Credit Card' option, by calling HDFC Bank's 24/7 customer care helpline, or via the MyCards portal. After blocking, you can request a replacement card through the same channels or by visiting your nearest HDFC Bank branch.
FEESHow can I pay my HDFC Bank UPI RuPay Credit Card bill?
You can pay your HDFC Bank UPI RuPay Credit Card bill through multiple convenient methods: HDFC Bank NetBanking or Mobile App, UPI payment using any UPI-enabled app, NEFT/RTGS from any bank account, auto-debit or ECS facility, HDFC Bank ATMs, or by visiting an HDFC Bank branch. You can also pay through the Bill Payments section of NetBanking by adding your credit card as a biller for scheduled payments.

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