HDFC Freedom Credit Card | Apply Online Now!

Top reasons to get the HDFC UPI Rupay Credit Card

Experience the future of payments with the HDFC Bank UPI RuPay Credit Card. This innovative card combines the power of credit with the convenience of UPI payments. Simply link your card to your preferred UPI app and earn rewards on all UPI transactions.

Enjoy a host of benefits, including:

Earn rewards on all UPI purchases

Minimal joining and renewal membership fees of just Rs. 250 + applicable taxes

Fee waiver on annual spending of Rs. 25,000 or more

Upgrade to a world of seamless payments and rewards with the HDFC Bank UPI RuPay Credit Card.

Benefits & Features

Features & Benefits of HDFC Bank UPI RuPay Credit Card

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

Cashpoints

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

Fees & Charges

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 with UPI apps

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

Payments on UPI

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.