HDFC Bank UPI RuPay Credit Card

Expert ScoreRead review

Fees

Joining Fee

Rs. 250 + GST

Renewal Fee

Rs. 250 + GST

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

3% Cashpoints on supermarket, dining, grocery, and PayZapp spends
2% Cashpoints on Utility spends
1% Cashpoints on other spends excluding some spend categories
Up to 50 days of interest-free credit period
Renewal fee waiver on spending Rs. 25000 or more in the previous year

HDFC BANK

Category: Credit Cards Tag: RUPAY

Reward Type

Reward Points

Renewal Fee

Rs. 250 + GST

Joining Fee

Rs. 250 + GST

Type of Card

Shopping

Welcome Benefits

N/A

USP of Card

Fees

Joining Fee

Rs. 250 + GST

Renewal Fee

Rs. 250 + GST

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

3% Cashpoints on supermarket, dining, grocery, and PayZapp spends
2% Cashpoints on Utility spends
1% Cashpoints on other spends excluding some spend categories
Up to 50 days of interest-free credit period
Renewal fee waiver on spending Rs. 25000 or more in the previous year

Fees & Charges

Spend Based Waiver

Renewal fee is waived off on spending Rs.25,000 or more in the previous year

Interest Rates

3.6% per month (or 43.2% per annum)

Cash Advance Charges

3.50% of the transaction amount

Rewards Redemption Fee

Rs 99 per redemption request (plus applicable taxes)

Fuel Surcharge

Foreign Currency Markup

2.5% of the withdrawal amount or Rs. 500, whichever is higher

Late Payment Fee

Add-on Card Fee

Nil

Rewards & Benifit

Movie & Dining offers

3% Cashpoints on Dining spends

Reward Redemption

The Cashpoints can be redeemed against card statement balance, hotel and flight ticket bookings, on the Smartbuy rewards portal, where 1 Cashpoints = Rs. 0.25

Zero Liability Protection

Cardholder will not be liable for fraudulent transactions made with the credit card if he reports about the loss in a timely manner

Rewards Rate

3% Cashpoints on groceries, dining, and supermarket spends 2% Cashpoints on utility spends 1% Cashpoints on other spends, with some exclusions

Travel

Online Shopping offers

3% Cashpoints on supermarket, dining, grocery, and PayZapp spends

Insurance Benefits

Domestic Lounge Access

International Lounge Access

N/A

9Expert Score

Fees

Joining Fee

Rs. 250 + GST

Renewal Fee

Rs. 250 + GST

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

3% Cashpoints on supermarket, dining, grocery, and PayZapp spends
2% Cashpoints on Utility spends
1% Cashpoints on other spends excluding some spend categories
Up to 50 days of interest-free credit period
Renewal fee waiver on spending Rs. 25000 or more in the previous year

Best values score

9Expert Score

Fees

Joining Fee

Rs. 250 + GST

Renewal Fee

Rs. 250 + GST

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

3% Cashpoints on supermarket, dining, grocery, and PayZapp spends
2% Cashpoints on Utility spends
1% Cashpoints on other spends excluding some spend categories
Up to 50 days of interest-free credit period
Renewal fee waiver on spending Rs. 25000 or more in the previous year

Best values score

Specification: HDFC Bank UPI RuPay Credit Card

Bank Name	HDFC Bank
Type of Credit Card	Shopping
Joining Fees	Rs. 250 + GST
Renewal fees	Rs. 250 + GST
Best Suited for	Shopping
Reward Type	Reward Points
Welcome Benifits	N/A
Movie & Dining Offers	3% Cashpoints on Dining spends
Travel Offers	NA
online shopping offers	3% Cashpoints on supermarket, dining, grocery, and PayZapp spends
Reward redemption	The Cashpoints can be redeemed against card statement balance, hotel and flight ticket bookings, on the Smartbuy rewards portal, where 1 Cashpoints = Rs. 0.25
Reward Rate	3% Cashpoints on groceries, dining, and supermarket spends 2% Cashpoints on utility spends 1% Cashpoints on other spends, with some exclusions
Domestic Lounge Access	NA
International lounge access	N/A
Insurance Benifits	NA
Zero liability protection	Cardholder will not be liable for fraudulent transactions made with the credit card if he reports about the loss in a timely manner
Spend based waiver	Renewal fee is waived off on spending Rs.25,000 or more in the previous year
Reward redemption charges	Rs 99 per redemption request (plus applicable taxes)
Foreign currency markup Charges	3.50% of the transaction amount
Interest Charges	3.6% per month (or 43.2% per annum)
Fuel Surcharges	NA
Cash advance charges	2.5% of the withdrawal amount or Rs. 500, whichever is higher
Interest Free credit periods	50 Days
Add on card fee	Nil
ELIGIBILITY CRITERIA	Your age should be above 21 years and below 65 years. You should have a stable source of monthly income. You should have a very good credit history and an existing relationship with HDFC Bank.
Late Payment Fee	for self employed individuals should be between 21 years and 65 years of age, with a minimum annual income of Rs. 6 lakhs.
Partner Discounts	2% Cashpoints on utility spends, capped at 500 Cashpoints maximum every month
Reward offer savings	3% Cashpoints on your grocery, supermarket, dining, and PayZapp spends, capped at 500 Cashpoints maximum every month
USP of Card	1% Cashpoints on other spends, capped at 500 Cashpoints maximum every month.
BestValue Score	9

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HDFC Bank UPI RuPay Credit Card

Fees

Joining Fee

Renewal Fee

Best Suited For

Reward Type

Welcome Benefits

HDFC Bank UPI RuPay Credit Card

Fees

Joining Fee

Renewal Fee

Best Suited For

Reward Type

Welcome Benefits

Reward Type

Renewal Fee

Joining Fee

Type of Card

Welcome Benefits

USP of Card

Fees

Joining Fee

Renewal Fee

Best Suited For

Reward Type

Welcome Benefits

Fees & Charges

Spend Based Waiver

Interest Rates

Cash Advance Charges

Rewards Redemption Fee

Fuel Surcharge

Foreign Currency Markup

Late Payment Fee

Add-on Card Fee

Rewards & Benifit

Movie & Dining offers

Reward Redemption

Zero Liability Protection

Rewards Rate

Travel

Online Shopping offers

Insurance Benefits

Domestic Lounge Access

International Lounge Access

Fees

Joining Fee

Renewal Fee

Best Suited For

Reward Type

Welcome Benefits

Fees

Joining Fee

Renewal Fee

Best Suited For

Reward Type

Welcome Benefits

Specification: HDFC Bank UPI RuPay Credit Card

User Reviews

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