HDFC Bank UPI RuPay Credit Card with Cashback & EMIs
HDFC Bank UPI RuPay Credit Card is a great choice if you’re looking to combine the power of UPI payments with cashback rewards and flexible EMIs—all from a trusted Indian bank.
This card offers up to 3% Cashpoints on everyday spends like PayZapp transactions, groceries, and dining—plus exclusive milestone coupons, EMI options, and much more.
Key Features:
- 3% Cashpoints on PayZapp transactions, SuperMarket purchases, groceries, and dining expenditures (up to 500 Points each calendar month)
- 2% Cashback on Utility Purchases (up to 500 Points in a single calendar month)
- Rent, wallet loads, EMI, fuel, insurance payments, and government categories are excluded from the 1% Cashpoints on other expenditures. A maximum of 500 Points may be earned in a calendar month.
- Convert credit card purchases totaling at least Rs. 2,500 into Smart EMIs once you make them. These EMIs include flexible repayment terms and affordable interest rates.
- Milestone benefits: Earn attractive coupons upon fulfilling minimal monthly spending requirements.
Additional Incredible Offers:
- Utilize revolving credit lines with low interest rates.
- Upon timely reporting, obtain liability waivers for credit card loss and fraudulent activities.
- Get rewards on every purchase that can be exchanged for fun presents, gift cards, or complimentary airline tickets.
- Through a paper redemption form or a Net Banking login, CashPoints accrued on the HDFC Bank UPI RuPay Credit Card can be redeemed against the statement balance at the rate of 1 CashPoint = Rs 0.25.
Fees & Other Charges
- Joining Fees: Depending on the card chosen, starting at Rs 500 + GST
- Annual Fees: Varies according to the card chosen, starting at Rs 500 + GST
Required Documents
- Proof of address: Aadhaar, passport, and most recent utility bills
- Proof of identity: PAN, voter ID, passport; Proof of income: bank statement, pay stubs
Qualifications
- Age Requirement: 21–65 Years
- Employment type: Independent Contractor or Salaried
- Monthly Minimum Income: Rs 20,000 (Salaried)
- Minimum Monthly Income: Rs. 50,000 for Self-Employed
- 700+ on the credit score
- You must be an Indian citizen or a non-resident Indian.
How to Accept the Offer
- You’ll be taken to the website of HDFC Bank.
- Go to Login/Join Now and complete the OTP validation.
- You will be able to see which cards you qualify for, pick one, and fill out the necessary information.
- After the application is approved, it will be submitted and an SMS confirmation will be provided.
Enjoy shopping rewards, flexible EMIs, and cashback benefits every month with the HDFC Bank UPI RuPay Credit Card
📦 Offer Details
| Feature | Details |
|---|---|
| Issuer | HDFC Bank Ltd |
| Network | RuPay |
| Card Type | UPI Credit Card |
| Cashback | Up to 3% Cashpoints |
| EMI Option | Yes – Smart EMI from ₹2,500 |
| Monthly Cashback Cap | 500 Points per category |
| Milestone Offers | Monthly spending coupons |
| Reward Redemption | ₹0.25 per CashPoint |
| Joining/Annual Fees | Starting at ₹500 + GST |
| Eligibility | Salaried ₹20K / Self-Employed ₹50K / Age 21–65 |
| CIBIL Score | 700+ Required |
| Documents Needed | PAN, Aadhaar, Income Proof |
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Deal
Apply for the HDFC UPI RuPay Credit Card & earn up to 3% Cashpoints on groceries, PayZapp & dining. Milestone rewards, low fees, and smart EMI options! #HDFCCard
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