HDFC Bank UPI RuPay Biz Credit Card

Benefits Features Fees

What Is HDFC Bank UPI RuPay Biz Credit Card?

HDFC bank UPI RuPay credit card comes as a virtual card which you can link to your UPI ID and then use it to make UPI payments in addition to regular transactions. You can get up to 3% cashback points as rewards on regular and UPI transactions, depending on the spending category. You can also link this card to other UPI apps as well. Read on to know all about the HDFC RuPay UPI Credit Card.

What Are The Benefits Of HDFC Bank UPI RuPay Biz Credit Card?

The cardholders can earn rewards in the form of CashPoints on their spends via HDFC RuPay UPI credit card on both regular as well as UPI payments. The rate of earning the CashPoints on UPI transactions is the same as other spends.

Cashback Benefits

3% CashPoints of up to 500 points per month on PayZapp transactions, groceries, supermarket and dining spends

2% CashPoints of up to 500 points per month on utility spends

1% CashPoints of up to 500 points per month on other purchases, except on rent, wallet loads, EMI, fuel and government spends

1 CashPoint = Rs. 0.25

What Are The Features Of HDFC Bank UPI RuPay Biz Credit Card?

Virtual Card

This HDFC credit card is issued in the form of a virtual card. You can check out its details under the MyCards platform of HDFC bank. Bank is not going to issue any physical UPI RuPay card for the users.

Suggested Read: Virtual Credit Cards

Fee Waiver

You can avail the card renewal fee waiver of Rs. 250 if you spend equal to or more than Rs. 25,000 in the previous calendar year.

Should you get HDFC Bank UPI RuPay Biz Credit Card?

If you wish to avail reward benefits on UPI payments, then you can choose to get HDFC RuPay UPI credit card as it provides you with rewards even on your UPI transactions, unlike other cards. This card is also a good option for those who prefer earning rewards in the form of cashback points and paying a low annual fee. It offers a 3% cashback on dining, groceries, supermarket and PayZapp spends. Generally, there are very few credit cards that offer rewards on utility spends, but HDFC UPI RuPay credit card gives you 2% CashPoints on such payments. Moreover, the card fee can also be waived off on spending just Rs. 25,000 using the card in a year.