HDFC Bank UPI RuPay Credit Card: Features & Apply

Table of Contents

Summary

The HDFC Bank UPI RuPay Credit Card is a revolutionary credit card that simplifies your everyday transactions and rewards you more. The reason this card is special is that you can link it to popular UPI apps like PhonePe, Google Pay, Paytm, BHIM, and PayZapp and use it as your bank account — but the amount gets deducted from your credit limit instead of your savings.

This Credit card is a combination of the benefits of a traditional credit card and the ease of UPI payments, giving you a smart and cashless experience. For every transaction done through UPI using a credit card, you earn rewards like cash points. You can earn up to 3% on grocery expenses, dining out, supermarket expenses, and PayZapp transactions. You can also earn 2% on bill payments and 1% on other spending.

The card charges a joining fee of ₹99 and, if you make purchases of ₹25,000 or more in one year, it waives off the annual fee. It also gives you a 50-day interest-free period and the option to convert large purchases into EMIs, so your money management becomes easier.

Introduction

With the payments going digital in today’s times, never has payment been easier and quicker. All this, courtesy of the arrival of UPI (Unified Payments Interface), with which individuals now use their smartphones to pay for anything and everything—be it shopping for groceries to movie tickets. And here’s something even more amazing. HDFC Bank, India’s top bank, has introduced a new-generation credit card, HDFC Bank UPI RuPay Credit Card. It possesses the strength of UPI and the advantage of a credit card, and therefore the ideal choice for today’s buyer.

So what is everything about this card? HDFC Bank UPI RuPay Credit Card is a revolutionary credit card that is connected to UPI and backed by the RuPay network. This implies that you can use this card in the same way as your normal UPI apps like PhonePe, Paytm, Google Pay, or BHIM. But the good news is that you don’t need to carry your physical credit card with you every time you need to make a payment. You just need your phone and your preferred UPI app.

With this card, you can just scan a QR code and pay via UPI, and the payment will be deducted from your credit limit and not your bank account. That’s more flexibility and more control over your money. It’s having UPI with the capability of “Buy Now, Pay Later.”

Here, we will talk about the all about HDFC Bank UPI RuPay Credit Card—best features and advantages to application and usage process. Be you are a student, young professional, or small business owner, this card could be a smart and convenient way to upgrade your wallet.

What is the HDFC Bank UPI RuPay Credit Card?

HDFC UPI RuPay Credit Card is a fresh generation of credit card with which you can link your UPI apps like PhonePe, Google Pay, Paytm, and BHIM. It is India’s RuPay card payment network. Generally, when we are transacting via UPI, money flows directly from your bank account. But with this special credit card, you can pay against your credit balance using UPI, not the balance in your bank account.

This means you can buy today and pay later, like with a regular credit card. You can pay in shops using the QR code scans or pay online through UPI, and the amount gets deducted from your credit card account instead of your bank account. It gives you a longer time to pay the bill and also offers you cashback and rewards. It is a smart and convenient way of utilizing your credit card without having it on your person all the time.

What is the design of the HDFC Bank UPI RuPay Credit Card?

Meaning to look elegant and professional in a sleek and contemporary appearance, the HDFC UPI RuPay Credit Card usually features the RuPay logo and HDFC Bank logo embossed on it, making it apparent that it utilizes the Indian card network. The card is unsophisticated and straightforward in appearance and comes in numerous solid colors, usually blue and white, so it can be easily identified.

The front of the card is slender and the digits are printed in terms of convenience and legibility. It has also got an auxiliary security chip and the back part of the card includes information like the CVV number, which you would employ in transactions on the web. The general look, on a whole, is practical yet stylish, convenient as well as being fashionable.

What are the benefits of the HDFC Bank UPI RuPay Credit Card?

Its main advantages are briefly compiled here:

1. Connect your RuPay credit card to UPI apps, including Paytm, PhonePe, Google Pay, BHim, and PayZapp, and then pay from your credit card straight using UPI.

2. Reward Points: CashPoints for the below expenditure categories:

3% on groceries, eating, shopping, and PayZapp purchases.
2% on bill pays.
1% on other such spends.

Note: The highest CashPoints you can earn under each category for a month is 500.

3. Interest-Free Period: Get up to 50 days of interest-free credit on purchases, providing you with liberty to settle your bills.

4. EMI Conversion: Repay your high-value payments in easy Equated Monthly Instalments (EMIs), reducing the burden of huge expenses.

5. Virtual Card: Card issuing is virtual, and you have instant access along with enhanced security.

6. Secure Transactions: Use RuPay’s security benefits and have secure, safe transactions on any website.

What are the fees for the HDFC Bank UPI RuPay Credit Card?

Here is a simple HDFC UPI RuPay Credit Card fee breakup.

Joining Fee	₹99 plus GST
Annual Fee	₹99 plus GST
Add-on Card Fee	There are no charges for additional cards for family members.
Finance Charges	If you don’t pay your bill in full, a 3.6% per month (43.2% annually) charge on the outstanding balance.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting an HDFC Bank UPI RuPay Credit Card?

1. Age Requirement:

You should be between 18 to 65 years of age.

2. Income Requirement:

Salaried Applicants: The minimum net monthly income is required; however, the bank fixes the amount, which can differ based on the applicant’s profile.

Self-Employed Applicants: A minimum ITR amount is needed; the bank fixes the specific amount and can differ with applicants.

3. Employment Status:

You should have a regular job or business with a fixed income source.

4. Credit Score:

A CIBIL score of 700 and above is preferred for sanction.

5. Residency:

You should be an Indian resident and have a valid address proof.

What documents are required to get an HDFC Bank UPI RuPay Credit Card?

The documents that you will have to submit to Get an HDFC UPI RuPay Credit Card are as below:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months if you are a salaried employee Bank statement for the last 3 months ITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the HDFC Bank UPI RuPay Credit Card be used?

Here is the list of places where you can use it:

With the HDFC Bank UPI RuPay Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

You can use your HDFC Bank UPI RuPay Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

The HDFC Bank UPI RuPay Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the HDFC Bank UPI RuPay Credit Card?

The credit limit of the HDFC UPI RuPay Credit Card will rely on your income, credit score, and banking relationship. Subject to eligibility, this is a high-end credit card, typically ranging from ₹5 lakh to ₹25 lakh or more.

If you hold a Priority Banking account, you may be extended a higher credit limit. You are also allowed by the bank to request a limit upgrade based on your spending and repayment record. To ascertain your actual limit, you may call HDFC Bank once you have made your application.

How do you apply for an HDFC Bank UPI RuPay Credit Card?

Apply it through both these modes:

Online Application Process

Visit the official website of HDFC Bank, i.e.

Go to ‘Cards’, followed by ‘Credit Cards’.

On that page, you can see numerous options for credit cards issued by HDFC Bank; for instance, you can choose the HDFC Bank UPI RuPay Credit Card.

Just hover your cursor on the HDFC Bank UPI RuPay Credit Card, followed by selecting ‘Apply Now‘ from there.

You will be asked to fill out your details, including your name, contact information, income details, and employment status.

Be accurate and updated with the information provided.

You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

After filling out the details and uploading the documents, review your application to make sure everything is correct.

Apply online through the application form.

The bank will check your application after you submit it. They can ask for extra documents or information if required.

You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process

You can walk into the nearest HDFC Bank branch to apply for the HDFC UPI RuPay Credit Card.

Request for the credit card application form for the HDFC Bank UPI RuPay Credit Card. They will provide you with the form and proceed accordingly.

Fill in the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.

Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport.

Your application will be processed, and your information will be cross-checked at the bank level.

In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

You will receive the HDFC Bank UPI RuPay Credit Card by post at the same postal address.

Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the HDFC Bank Card website or mobile app or by calling customer service.

For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.

Would getting an HDFC Bank UPI RuPay Credit Card in 2025 be right?

Yes, the HDFC UPI RuPay Credit Card in 2025 can prove to be a good option if you eat, watch movies, and shop excessively. The card provides beneficial rewards such as savings on movie tickets, additional points on dining, and lifestyle privileges.

If you pay with your credit card frequently for such purchases, you can save a lot of money in the long term. The yearly fee is low and can be exempted if you spend sufficiently within the year. Just ensure you pay your bills in time to prevent fees. So, if your usage pattern is compatible with the rewards of this card, it can be a good choice for 2025.

Conclusion

The HDFC Bank UPI RuPay Credit Card is a smart and modern financial product that combines the goodness of a conventional credit card with the convenience of UPI payment. In this fast-changing world, when most people want to make cashless and contactless payments, this card provides the best solution. You can directly pay using UPI apps like Google Pay, PhonePe, Paytm, BHIM, or PayZapp without swiping your card or having it in your wallet.

What’s special about this card is that you even earn reward points and cashback on small UPI transactions. You can spend it at local grocery stores, restaurants, supermarkets, and even for utility bill payments. And you even have an interest-free credit period of up to 50 days, and you can also use the card to convert large spends to easy EMIs, which is a welcome relief for budgeting.

Another major benefit is the zero annual fee, which can even be waived if you spend over ₹25,000 in a year. The card is thus economical and convenient for salaried individuals, students, and homemakers as well. You enjoy the security of a credit card with the convenience of UPI—so your transactions are secure, and you don’t need to carry cash.