HDFC RuPay Credit Card: Benefits, Eligibility, and Rewards

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 explore all the benefits of the HDFC RuPay Credit Card.

Key Benefits of the HDFC UPI RuPay Credit Card

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. 

Rewards Program

• Earn 2% CashPoints on all utility bill payments and 1% CashPoints on other selective spends.

Note 1: 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.

Note 2: You only receive CashPoints on selective spends. This applies to all three CashPoint categories. The following items will not provide CashPoints on spends:

• Fuel Spends
• Insurance payments
• Education and Govt Related Transactions
• Rent Payments
• Wallet loads/Gift or Prepaid Card load/Voucher purchase
• Cash Advances
• Payment of Outstanding Balances
• Payment of card fees and other charges
• All types of EMI transactions

Milestone Benefits

• Get rid of the renewal fees burden by just spending ₹25,000 or above in a membership year.

HDFC UPI RuPay Credit Card Charges 

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.

💡Remove the risk of missing payment dates with the help of the automatic credit card payment facility available on the Pice App.

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Redemption Value of the HDFC UPI RuPay Credit Card

The HDFC UPI RuPay Credit Card rewards users with CashPoints that can be redeemed for various purposes. Let’s explore how you can use them: 

Note: The redemption program is made similar for all types of redemption to make it simple to understand for beginners.

Hacks to Get Maximum Value from Your HDFC RuPay Credit Card

Suppose you spend ₹1 lakh on your HDFC RuPay credit card in a membership year. Among them,

• ₹17,000 worth of spends came under the 3% CashPoint category
• ₹25,000 worth of spends came under the 2% CashPoint category
• ₹50,000 worth of spending was on 1% category and the rest was spent on others

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 ₹375 each month.

Here are some hacks for you to reach this spending milestone.

• Use your virtual credit card for groceries, shopping and dining.
• Pay your utility bills through this card.
• Use PayZapp to make transactions and look out for offers on the SmartBuy app.

Note: 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.

Who Should Consider the HDFC RuPay Credit Card?

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.

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 ₹25,000 for the renewal fee waiver is easily reachable for beginners.

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Things to Remember While Using the HDFC UPI RuPay Credit Card

Here are some important things you must know about the HDFC UPI RuPay Credit Card: 

• You can redeem your CashPoints for up to 50% value for flight and hotel bookings and up to 70% value for products or vouchers.
• A minimum balance of 2,000 CashPoints (or an equivalent value of ₹500) is required to redeem them against your statement balance.
• Your credit points expire two years from the date of issuance, so make sure to use them before they lapse.
• You can earn only 500 points in a month for all 3 CashPoint earning categories (1%, 2% and 3%).

How to Set Up HDFC UPI RuPay Credit Card?

Follow the steps below to know how to use your HDFC UPI RuPay Credit Card via UPI apps.

Step 1: Download the UPI app on your phone that you wish to use for payments.

Step 2: Use your credit card details and PIN to register.

Step 3: Set up the credit card for UPI transactions and log in to make UPI payments.

Note: It is recommended to use PayZapp for UPI payments directly, as it will provide additional CashPoints and offers.

Conclusion

The HDFC RuPay Credit Card offers rewarding cashback benefits, simple redemption, and easy UPI-based payments—perfect 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.

FAQs