Everything You Need to Know About HDFC Bank UPI RuPay Credit Card

In a world where digital transactions are more common than ever, carrying the right credit card can have an outsized impact on how you handle your money. Of the plethora of credit card products available in the market, the HDFC Bank UPI RuPay Credit Card is a game changing financial instrument. That’s where this card comes in – to help streamline and secure payments, and offer a number of features tailored to the consumer of today.

In this post, we will do a detailed HDFC Bank UPI RuPay Credit Card review including features, benefits, eligibility, cons, and how it compares with other credit cards in the market. By the time you’re done reading this, you’ll know why this card is ideal for people who want to give digital payments a try with a little extra benefit.

Joining Fee on HDFC Bank UPI Rupay Card

The HDFC Bank UPI RuPay Credit Card is among the first products to emerge from an exclusive association between National Payments Corporation of India (NPCI) and HDFC Bank. This card lets you transact seamlessly on any UPI App, this will work as credit card that lets you pay later, Plus there are no interest charges of late payment, and no physical card is required. The card comes with several rewards and cashback offers and exclusive access to users.The card, apart from the UPI functionality, has a variety of rewards, cashback offers, and exclusive advantages for users.

And with an expanding universe of UPI-based digital payment apps and an ever-growing number of people using the application for their daily transaction needs, this credit card is actually here to make payments management even simpler, safer and rewarding.

Features of HDFC Bank UPI RuPay Credit Card

UPI Integration for Seamless Payments

One of the highlights of the HDFC Bank UPI RuPay Credit Card is that it connected to the UPI payment network. This makes it easier for the cardholders to use their credit card for UPI-based payments such as bill payments, payment for groceries and online purchases. UPI is now the most preferred mode of making digital transactions in India and this card makes sure that users can utilize UPI’s efficiency to the fullest while receiving the benefits of a credit card.

Rewards and Cashback

The HDFC Bank UPI RuPay Credit Card has attractive reward points and cashback on all transactions. Whether you're browsing online, eating out, or paying your utility bills, you'll earn rewards points which can then be turned into gift vouchers, discounts and lots more. Besides, the card also provides cashback on specific transactions thereby adding further value to consumers who use digital mode of payments frequently.

Reward Points: Get reward points on all your transactions made using the credit card. These points are exchangeable for goods for merchandise, for travel and more.

Cashback: The card gives back a percentage of what you spend in specific categories, and that will be credited to your account.

Contactless Payments

HDFC Bank UPI RuPay Credit Card is on the latest payment technology trends as it enables contactless transactions. This convenience allows users to simply tap to pay - no need to insert or swipe a card inside a store or at a point-of-sale device. Just tap your card on a contactless card reader and your purchase is done in an instant.

No Annual Fee for First Year

In order to further entice the new user, the HDFC Bank UPI RuPay Credit Card does not come with an annual fee for the initial year. This offer enables its cardholders to enjoy all the perks of the card without having to pay any fees upfront. After the first year, the annual fee is on the lower (relative to many of the other premium credit cards) side.

Security Features

The HDFC Bank UPI RuPay Credit Card is equipped with strong safeguards to protect users from being the victims of any fraud. Here are some of the important security features available in it:

Two-Factor Verification: While transacting online, the transaction is verified by an OTP that is sent to your registered mobile, providing you with an additional layer of security.

No-touch Security: Every time you tap your contactless card, you card generates a unique encrypted number that's used for your payment so your actual number is never shared with the merchant or transmitted with the payment.

Fraud Protection: The HDFC Bank provides users with protection against any possible fraud activities; enabling them to check and prevent unauthorized transactions.

Flexibility in Payments

Features Payments Flexibility Available in Payment You choose how to pay your credit card bill through NetBanking of HDFC Bank, NEFT, mobile banking, etc. You can choose to pay your minimum due, total outstanding or convert your dues into easy EMIs. This versatility makes it easier for you to choose how to deal with your money and set the list of cards.

Key Benefits of HDFC Bank UPI RuPay Credit Card1

Get More Rewards for Every Spend

Reward system The reward system is one of the most appealing features from the HDFC Bank UPI RuPay Credit Card. The more you use the card, the more you rack up rewards. These points can be used to avail a number of returns from offers like gift cards, flight tickets, hotel bookings and products from the HDFC rewards catalog. With each purchase you make, you are growing a pool of rewards that you can then use to spend less on future purchases or experiences.

Enhanced Digital Payment Experience

The integration of UPI further adds value for digital-native customers who have adapted to digital transactions. UPI now has emerged as an essential part of the digital economy in India, and being able to use your credit card for UPI transactions adds to the convenience factor. Be it your utility bills or an online shopping, transferring of money to your loved ones using UPI, this card brings to you a hassle-free and instant payments.

Exclusive Discounts and Offers

HDFC Bank UPI RuPay Credit Card also offers exclusive offers on dining, travel and shopping. Cardholders also get discounts when they shop with partner brands, such as restaurants, retailers and travel agencies. These deals are updated frequently to make sure, you never miss out on them.

Easy and Convenient Bill Payments

You can use the UPI-powered payments feature with the card to pay your bills easily. Be it for groceries, household utilities, mobile recharges, you can pay these using your account directly using the HDFC Bank UPI RuPay Credit Card. Pairing UPI with a credit card makes it even better as you could pay the bill via your credit card and earn rewards when you pay.

International Acceptance

The HDFC Bank UPI RuPay Credit Card is a card offered to cater to the Indian market but with international acceptance. It being a RuPay card, can also be used internationally wherever RuPay is accepted. Wherever you go or whatever you do whether travelling abroad or shopping online at overseas e-commerce stores, we’ve got you covered.

Build Your Credit Score

Furthermore, being a credit card, HDFC Bank UPI RuPay Credit Card can also let you create or improve your credit score. Plus, by responsibly utilizing the card and paying on time, you can improve your creditworthiness, which may help you secure financing — such as a loan or other type of financial product — down the road.

HDFC Bank UPI RuPay Credit Card Eligibility Criteria

Before you can apply for the HDFC Bank UPI RuPay Credit Card, you need to pass certain eligibility criteria:

• Age: To be eligible for this credit card, you must be between 21 to 60 years of age.

• Income: Salaried individuals must have an income of at least ₹25,000 per month. High income could be necessary if you are self-employed, depending on the nature of your business.

• Credit score: Recommended credit score (750 and higher) for approval.

• Nationality: You should be an Indian resident to apply for this card.

Comparison with Other Credit Cards

The HDFC Bank UPI RuPay Credit Card fulfils this need with a unique proposition from amongst other credit cards currently in the market. Above and beyond everything, regular credit cards offer reward points and benefits, however this card has the feature of UPI payments in it which makes it perfect for the frequent UPI users in their day to day lives.

Compared to other popular credit cards, the HDFC Bank UPI RuPay Credit Card is priced much lower and it also comes with good rewards, which is why it is an ideal credit card for those inclined towards digital payment and at the same time love using a credit card.

Conclusion

The attention grabbed by the HDFC Bank UPI RuPay Credit Card is truly revolutionary in the credit card space, fusing the advantages of a UPI payment system along with credit card features. Whether you are a frequent traveller or shopper, or even just court convenience, this card will suit you. Right from getting reward points for each transaction you make, to making safe and instant payments with UPI, HDFC Bank UPI RuPay Credit Card is a complete package for anyone who wants to adopt the future of payments!

If you want a credit card for flexibility, reward points and digital payment capabilities, you should consider the HDFC Bank UPI RuPay Credit Card. We also think the Discover it card is a great option in the current credit card landscape, given its distinctive perks, rewards, and low overhead.