The HDFC Bank UPI RuPay Credit Card is a virtual-only credit card that runs on the RuPay network and is enabled for Unified Payments Interface (UPI) transactions. Unlike traditional credit cards, it exists only in digital form with no physical card issued.

• Link the card to any UPI app including Google Pay, PhonePe, Paytm, Mobikwik, BHIM, or Slice
• Earn CashPoints on both UPI and regular e-commerce transactions
• Virtual card details (16-digit number, CVV, expiry) viewable on MyCards platform
• Issued as an additional floater card to existing HDFC Bank primary credit cardholders
• Supports contactless and online payments

Earn CashPoints on every eligible transaction worth Rs. 100 and above:

• 3% CashPoints on groceries, supermarket, dining spends, and PayZapp transactions (cap: 500 CashPoints/month)
• 2% CashPoints on all utility bill payments (cap: 500 CashPoints/month)
• 1% CashPoints on all other eligible spends (cap: 500 CashPoints/month)

UPI Integration

Link your virtual credit card to any UPI app for secure and convenient transactions. Earn CashPoints on UPI purchases at the same rate as regular credit card spends.

Flexible Redemption

Redeem CashPoints at 1 CashPoint = Rs. 0.25 against statement balance, or on SmartBuy portal for flights, hotels, products, and vouchers.

Interest-Free Period

Enjoy up to 50 days of interest-free credit period from the date of purchase.

Welcome Benefit

Get a gift voucher worth Rs. 250 on activating the card within 37 days of issuance and paying the joining fee.

• Gift voucher worth Rs. 250 on activating the card within 37 days of card issuance and paying the joining fee

Annual Fee Waiver

• Spend Rs. 25,000 or more in an annual year to get the renewal membership fee waived for the next year

Monthly CashPoints Potential

• Earn up to 1,500 CashPoints per month (worth Rs. 375) across all spending categories at maximum caps
• 3% categories: 500 CashPoints cap (groceries, supermarket, dining, PayZapp combined)
• 2% utility: 500 CashPoints cap
• 1% other spends: 500 CashPoints cap

The HDFC Bank UPI RuPay Credit Card does not offer any complimentary airport or railway lounge access. This is an entry-level virtual card focused on UPI payments and everyday cashback rewards rather than travel benefits.

If you require lounge access benefits, consider upgrading to a premium HDFC Bank credit card such as the Regalia or Infinia.

CashPoints are earned based on your spending category. Only settled transactions of Rs. 100 or above within a calendar month are eligible:

• 3% CashPoints: Groceries, supermarket (MCC 5411), dining (MCC 5812, 5814), and all PayZapp transactions. Combined cap of 500 CashPoints per month.
• 2% CashPoints: Utility payments (MCC 4900 as defined by RuPay). Cap of 500 CashPoints per month.
• 1% CashPoints: All other eligible spends. Cap of 500 CashPoints per month.

Exclusions

The following transactions do not earn CashPoints: fuel spends, rent payments, government transactions, wallet/prepaid/gift card loads, voucher purchases, cash advances, EMI transactions, outstanding balance payments, and card fee payments.

Redeeming CashPoints

1 CashPoint = Rs. 0.25. Minimum 500 CashPoints required for redemption.

• Statement Credit: Redeem against statement balance (max 50,000 CashPoints/month)
• SmartBuy Flights/Hotels: Up to 50% of booking value (max 50,000 CashPoints/month)
• Product Catalogue/Vouchers: Up to 70% of value through CashPoints on SmartBuy portal
• Airmiles: Convert at 1 CashPoint = Rs. 0.25 equivalent

CashPoints expire after 2 years from the date of accumulation. SmartBuy spends do not earn CashPoints.

The HDFC Bank UPI RuPay Credit Card is available only to existing HDFC Bank credit cardholders as an additional card. You cannot apply for it as a standalone or fresh credit card.

For Salaried Individuals

• Indian national, age 21 to 65 years
• Minimum net monthly income: Rs. 35,000
• CIBIL score: 750 or above recommended

For Self-Employed Individuals

• Indian national, age 21 to 65 years
• Minimum annual ITR: Rs. 6 lakh
• Good credit history

Note: Eligibility requirements are for the primary HDFC Bank credit card. The UPI RuPay card is issued as an add-on with no additional document verification.

No additional document proof is required when applying for the UPI RuPay Credit Card as an add-on to your existing HDFC Bank credit card.

For New Primary Card Application

If you need to apply for a primary HDFC Bank credit card first, the following documents are needed:

Identity Proof (any one)

• Passport
• Aadhaar Card
• Voter ID
• Driving Licence
• PAN Card

Address Proof (any one)

• Utility bills (electricity, water, gas, telephone)
• Rental agreement
• Passport
• Aadhaar Card
• Voter ID

Income Proof (any one)

• Salary slips (for salaried individuals)
• Income Tax Returns (ITR)
• Form 16
• Bank statements

1. Via MyCards: Visit MyCards platform, check eligibility for the UPI RuPay Credit Card, and click to get your card issued instantly.
2. Via PayZapp: Open the PayZapp app, navigate to the Credit Card section, and apply directly from your phone.

For New Applicants

1. Apply for any Visa, Mastercard, or Diners credit card from HDFC Bank as your Primary Credit Card
2. Request an additional UPI RuPay Credit Card along with your primary card application
3. Your UPI RuPay Credit Card will be issued when your primary card is approved

Setting Up for UPI

1. Set your credit card PIN by calling IVR toll number 1860 266 0333
2. Download and open your preferred UPI app
3. Register the UPI RuPay Credit Card using your credit card details and PIN
4. Start making UPI payments and earn CashPoints

The HDFC Bank UPI RuPay Credit Card fills an important niche for users who predominantly transact via UPI and want to earn rewards on those payments. With up to 3% CashPoints on groceries, dining and PayZapp transactions, and 2% on utility payments, it makes everyday UPI spending more rewarding at a minimal cost of Rs. 99 annual fee.

However, the card has clear limitations. The effective cashback rate in INR terms is only 0.25% to 0.75% due to the low CashPoint value of Rs. 0.25. Monthly caps of 500 points per category restrict high spenders. The absence of a physical card, airport lounge access, and limited international acceptance make it unsuitable as a primary card. It works best as a supplementary card for existing HDFC Bank customers who want to maximize rewards on their daily UPI transactions.