{"id":83432,"date":"2025-12-19T11:59:28","date_gmt":"2025-12-19T06:29:28","guid":{"rendered":"https:\/\/piceapp.com\/blogs\/?p=83432"},"modified":"2025-12-19T11:59:35","modified_gmt":"2025-12-19T06:29:35","slug":"hdfc-rupay-credit-card","status":"publish","type":"post","link":"https:\/\/piceapp.com\/blogs\/hdfc-rupay-credit-card\/","title":{"rendered":"HDFC RuPay Credit Card: Benefits, Eligibility, and Rewards"},"content":{"rendered":"\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"key-takeaways\">Key Takeaways<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The HDFC RuPay credit card enables smooth UPI transactions through a virtual card.<\/li>\n\n\n\n<li>Earn 3%, 2%, and 1% CashPoints across select categories with monthly category caps.<\/li>\n\n\n\n<li>Renewal fee is waived after spending \u20b925,000 annually.<\/li>\n\n\n\n<li>CashPoints have uniform redemption value and expire after two years.<\/li>\n\n\n\n<li>Ideal for beginners aiming to build credit while earning steady rewards.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>The HDFC UPI RuPay Credit Card is a virtual card that lets you make all your transactions seamlessly via UPI. You can earn 3% CashPoints on supermarket, grocery, dining spends and PayZapp transactions, while the low joining fee and waivable renewal fees make it easy and accessible for first-time users.<\/p>\n\n\n\n<p>Read on to explore all the benefits of the HDFC RuPay Credit Card.<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><ul><li><a href=\"#key-benefits-of-the-hdfc-upi-ru-pay-credit-card\">Key Benefits of the HDFC UPI RuPay Credit Card<\/a><\/li><li><a href=\"#hdfc-upi-ru-pay-credit-card-charges\">HDFC UPI RuPay Credit Card Charges\u00a0<\/a><\/li><li><a href=\"#redemption-value-of-the-hdfc-upi-ru-pay-credit-card\">Redemption Value of the HDFC UPI RuPay Credit Card<\/a><\/li><li><a href=\"#hacks-to-get-maximum-value-from-your-hdfc-ru-pay-credit-card\">Hacks to Get Maximum Value from Your HDFC RuPay Credit Card<\/a><\/li><li><a href=\"#who-should-consider-the-hdfc-ru-pay-credit-card\">Who Should Consider the HDFC RuPay Credit Card?<\/a><\/li><li><a href=\"#things-to-remember-while-using-the-hdfc-upi-ru-pay-credit-card\">Things to Remember While Using the HDFC UPI RuPay Credit Card<\/a><\/li><li><a href=\"#how-to-set-up-hdfc-upi-ru-pay-credit-card\">How to Set Up HDFC UPI RuPay Credit Card?<\/a><\/li><li><a href=\"#conclusion\">Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"key-benefits-of-the-hdfc-upi-ru-pay-credit-card\"><strong>Key Benefits of the HDFC UPI RuPay Credit Card<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"533\" src=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/Benefits-of-HDFC-RuPay-credit-card.jpeg\" alt=\"Key Benefits of the HDFC UPI RuPay Credit Card\" class=\"wp-image-83434\" style=\"width:840px;height:auto\" title=\"\" srcset=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/Benefits-of-HDFC-RuPay-credit-card.jpeg 800w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/Benefits-of-HDFC-RuPay-credit-card-300x200.jpeg 300w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/Benefits-of-HDFC-RuPay-credit-card-150x100.jpeg 150w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/Benefits-of-HDFC-RuPay-credit-card-768x512.jpeg 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><figcaption><\/figcaption><\/figure>\n\n\n\n<p>The HDFC UPI RuPay Credit Card benefits are especially designed for beginners who are trying to build a credit score while earning some value for their spending.\u00a0<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"rewards-program\"><strong>Rewards Program<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Earn 2% CashPoints on all utility bill payments and 1% CashPoints on other selective spends.<\/li>\n<\/ul>\n\n\n\n<p><strong>Note 1:<\/strong> The capping on earnings of CashPoints is 500 points for each category, which means you can earn a maximum of 1,500 points each month.<\/p>\n\n\n\n<p><strong>Note 2<\/strong>: You only receive CashPoints on selective spends. This applies to all three CashPoint categories. The following items will not provide CashPoints on spends:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Fuel Spends<\/li>\n\n\n\n<li>Insurance payments<\/li>\n\n\n\n<li>Education and Govt Related Transactions<\/li>\n\n\n\n<li>Rent Payments<\/li>\n\n\n\n<li>Wallet loads\/Gift or Prepaid Card load\/Voucher purchase<\/li>\n\n\n\n<li>Cash Advances<\/li>\n\n\n\n<li>Payment of Outstanding Balances<\/li>\n\n\n\n<li>Payment of card fees and other charges<\/li>\n\n\n\n<li>All types of EMI transactions<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"milestone-benefits\"><strong>Milestone Benefits<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Get rid of the renewal fees burden by just spending \u20b925,000 or above in a membership year.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"hdfc-upi-ru-pay-credit-card-charges\"><strong>HDFC UPI RuPay Credit Card Charges\u00a0<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Types&nbsp;<\/strong><\/td><td><strong>Amount and Conditions<\/strong><\/td><\/tr><tr><td>Cash Withdrawal Fee<\/td><td>2.5% of the withdrawal amount or \u20b9500, whichever is higher.<\/td><\/tr><tr><td>Overlimit Charges<\/td><td>2.5% of the overlimit amount or \u20b9550, whichever is higher.<\/td><\/tr><tr><td>CashPoints Redemption Fee<\/td><td>\u20b950 per redemption request.<\/td><\/tr><tr><td>Charges on Utility Bill Payments<\/td><td>1% of the total utility bill amount, if the total bill crosses \u20b950,000.<\/td><\/tr><tr><td>Interest on Late Payments<\/td><td>3.75% per month (or 45% p.a) of the balance amount.<\/td><\/tr><tr><td>Late Payment Fees<\/td><td>\u20b91 to \u20b9100 = Nil\u20b9101 to \u20b9500 = \u20b9100\u20b9501 to \u20b91,000 = \u20b9500\u20b91,001 to \u20b95,000 = \u20b9600\u20b95,001 to \u20b910,000 = \u20b9750\u20b910,001 to \u20b925,000 = \u20b9900\u20b925,001 to \u20b950,000 = \u20b91,100More than \u20b950,000 = \u20b91,300<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Apart from the financial loss, missing credit card payment dates can severely damage your credit score, which may take up to 3 years to recover. <\/p>\n\n\n\n<p>\ud83d\udca1Remove the risk of missing payment dates with the help of the automatic credit card payment facility available on the <a href=\"https:\/\/piceapp.com\/credit-card-bill-payment\/\">Pice App<\/a><em>.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"redemption-value-of-the-hdfc-upi-ru-pay-credit-card\"><strong>Redemption Value of the HDFC UPI RuPay Credit Card<\/strong><\/h2>\n\n\n\n<p>The HDFC UPI RuPay Credit Card rewards users with CashPoints that can be redeemed for various purposes. Let\u2019s explore how you can use them:&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Type of Redemption<\/strong><\/td><td><strong>Value on Redemption<\/strong><\/td><\/tr><tr><td>Getting a cashback against the statement balance<\/td><td>\u20b90.25<\/td><\/tr><tr><td>Buying products on SmartBuy<\/td><td>\u20b90.25<\/td><\/tr><tr><td>Buying items from the product catalogue<\/td><td>\u20b90.25<\/td><\/tr><tr><td>Converting to Airmiles<\/td><td>\u20b90.25<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>Note: <\/strong>The redemption program is made similar for all types of redemption to make it simple to understand for beginners.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"hacks-to-get-maximum-value-from-your-hdfc-ru-pay-credit-card\"><strong>Hacks to Get Maximum Value from Your HDFC RuPay Credit Card<\/strong><\/h2>\n\n\n\n<p>Suppose you spend \u20b91 lakh on your HDFC RuPay credit card in a membership year. Among them,<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u20b917,000 worth of spends came under the 3% CashPoint category<\/li>\n\n\n\n<li>\u20b925,000 worth of spends came under the 2% CashPoint category<\/li>\n\n\n\n<li>\u20b950,000 worth of spending was on 1% category and the rest was spent on others<\/li>\n<\/ul>\n\n\n\n<p>Now, as per the terms and conditions of the card. You earn 500 CashPoints from each category, which makes it a total of 1,500 CashPoints in a month. Now, wherever you redeem them, you will earn a value of \u20b9375 each month.<\/p>\n\n\n\n<p>Here are some hacks for you to reach this spending milestone.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Use your virtual credit card for groceries, shopping and dining.<\/li>\n\n\n\n<li>Pay your utility bills through this card.<\/li>\n\n\n\n<li>Use <a href=\"https:\/\/www.hdfc.bank.in\/ways-to-bank\/mobilebanking\/payzapp\" target=\"_blank\" rel=\"noopener\">PayZapp<\/a> to make transactions and look out for offers on the SmartBuy app.<\/li>\n<\/ul>\n\n\n\n<p><strong>Note:<\/strong> You can only redeem your CashPoints to get a partial discount on the product you are purchasing. Make sure not to wait for the last moment to redeem all your accumulated points.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"who-should-consider-the-hdfc-ru-pay-credit-card\"><strong>Who Should Consider the HDFC RuPay Credit Card?<\/strong><\/h2>\n\n\n\n<p>The HDFC UPI RuPay Credit Card is a good option for beginners who want to start their credit card journey without taking too much pressure about getting the maximum value for their CashPoints.<\/p>\n\n\n\n<p>The card offers the same value for CashPoints on all types of redemptions, which makes it easy for people to allocate their CashPoints for redemption. Apart from that, a low milestone of \u20b925,000 for the renewal fee waiver is easily reachable for beginners.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"things-to-remember-while-using-the-hdfc-upi-ru-pay-credit-card\"><strong>Things to Remember While Using the HDFC UPI RuPay Credit Card<\/strong><\/h2>\n\n\n\n<p>Here are some important things you must know about the HDFC UPI RuPay Credit Card:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You can redeem your CashPoints for up to 50% value for flight and hotel bookings and up to 70% value for products or vouchers.<\/li>\n\n\n\n<li>A minimum balance of 2,000 CashPoints (or an equivalent value of \u20b9500) is required to redeem them against your statement balance.<\/li>\n\n\n\n<li>Your credit points expire two years from the date of issuance, so make sure to use them before they lapse.<\/li>\n\n\n\n<li>You can earn only 500 points in a month for all 3 CashPoint earning categories (1%, 2% and 3%).<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-to-set-up-hdfc-upi-ru-pay-credit-card\"><strong>How to Set Up HDFC UPI RuPay Credit Card?<\/strong><\/h2>\n\n\n\n<p>Follow the steps below to know how to use your HDFC UPI RuPay Credit Card via UPI apps.<\/p>\n\n\n\n<p><strong>Step 1: <\/strong>Download the UPI app on your phone that you wish to use for payments.<\/p>\n\n\n\n<p><strong>Step 2: <\/strong>Use your credit card details and PIN to register.<\/p>\n\n\n\n<p><strong>Step 3: <\/strong>Set up the credit card for UPI transactions and log in to make UPI payments.<\/p>\n\n\n\n<p><strong>Note:<\/strong> It is recommended to use PayZapp for UPI payments directly, as it will provide additional CashPoints and offers.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"conclusion\">Conclusion<\/h2>\n\n\n\n<p>The HDFC RuPay Credit Card offers rewarding cashback benefits, simple redemption, and easy UPI-based payments\u2014perfect for beginners building credit. With low fees, milestone-based waivers, and consistent CashPoint value, the HDFC RuPay credit card ensures seamless spending and practical rewards across groceries, utilities, dining, and PayZapp transactions.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"fa-qs\">FAQs<\/h3>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1766125248440\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">How do I earn rewards on the HDFC RuPay credit card?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>You earn 3%, 2%, and 1% CashPoints on eligible spend categories.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1766125268092\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Can I use this card for UPI payments?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Yes, it works seamlessly on supported UPI apps.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1766125278157\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">What is the monthly CashPoint cap?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>You can earn up to 500 points per category each month.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1766125288192\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">How do I waive the renewal fee?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Spend \u20b925,000 or more in a membership year.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1766125298567\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">What is the minimum CashPoint requirement for redemption?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>You need at least 2,000 points to redeem against your statement balance.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Key Takeaways The HDFC UPI RuPay Credit Card is a virtual card that lets you make all your transactions seamlessly via UPI. You can earn 3% CashPoints on supermarket, grocery, dining spends and PayZapp transactions, while the low joining fee and waivable renewal fees make it easy and accessible for first-time users. Read on to [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":83433,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-83432","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-card"],"_links":{"self":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/83432","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/comments?post=83432"}],"version-history":[{"count":1,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/83432\/revisions"}],"predecessor-version":[{"id":83435,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/83432\/revisions\/83435"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media\/83433"}],"wp:attachment":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media?parent=83432"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/categories?post=83432"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/tags?post=83432"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}