HDFC Bank UPI RuPay Biz Credit Card

What's in store for you

More benefits than ever before

UPI Benefits

  • CashPoint benefits on both UPI and regular Credit Card spends*

Credit Benefits

  • Avail up to 50 days of interest free credit

Renewal Benefits

  • Renewal membership fee waived on spending of ₹25,000 and above in a year

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Additional Benefits

Know more about the card

Card Management & Controls

Single Interface

  • One platform to manage all HDFC Bank products and services. 

Spends tracking

  • A single click to access statements for efficient tracking. 

Reward Points

  • View and redeem points at the push of a button
Redemption Value

Fees & Charges

  • Joining/ Renewal Membership Fee - ₹99/- + Applicable Taxes (Festive Season Offer!!!)
  • Spend ₹25,000 or more in an annual year, before your Credit Card renewal date and get your renewal fee waived off from 2nd year onwards

NOTE: For card sourced starting 01-11- 2020, Below T&Cs is applicable   
The Bank reserves the right to cancel the Card in case the Card remains inactive and is not used for effecting any transaction for a continuous period of 6 (Six) months after prior written notice sent on the email address and/or phone number and/or communication address, registered in the records of the Bank.

Fees & Charges

Redemption Value

  • CashPoints as per the product feature will be credited in the form of CashBack, which can be redeemed by the customer against their statement balance
    (1 CashPoint = ₹0.25)
  • Reward Points Redemption against each category can be redeemed at the below value:
1 Reward Point Equivalent to
CashBack against statement ₹0.25
Unified SmartBuy
Product Catalogue 
Airmiles

Click here to know more about rewards 
Click here to know more about UPI purchases

Redemption Value

Redemption Limit & Validity

  • CashPoints can be redeemed up to 50% of the booking value for Flight and Hotel Bookings. The remaining amount will have to be paid with Credit Card.
  • Effective January 01, 2023

    • Reward points redemption for flights and hotel bookings are capped at ₹50,000/month
  • With effect from 1st February 2023,

    • Redemption is capped at up to 70% of product/Voucher value through Reward Points on select vouchers/products
  • A minimum of ₹500 statement balance is required for redemption

CashPoints Validity

  • Unredeemed CashPoints will expire/lapse after 2 years of accumulation
Redemption Limit & Validity

Card Control via MyCards

MyCards, a mobile-based service platform for all Credit Card needs, facilitates convenient activation and management of your HDFC Bank UPI RuPay Biz Credit Card on the go. It ensures a seamless experience without the need for passwords or downloads.

  • Credit Card Registration and Activation
  • Set up Card PIN
  • Manage Card Controls like Online Spends, Contactless Transactions, etc.
  • View Transactions / Download e-Statements
  • Check Reward Points
  • Block/ Re-Issue Card
  • Apply for an Add-on Card, manage, set PIN and card controls for Add-on card
Card Control via MyCards

Most Important Terms and Conditions

  • *The Most Important Terms and Conditions for each of our banking offerings features all the specific terms and conditions that govern their use. You must go through it thoroughly to fully understand the terms and conditions applicable to any banking product you choose.
Most Important Terms and Conditions

Frequently Asked Questions

The HDFC Bank UPI RuPay Biz Credit Card allows you to earn rewards for UPI purchases done using your credit card. Link your HDFC Bank UPI Biz Credit Card in UPI apps and enjoy the benefits.

The credit limit of the HDFC Bank UPI RuPay Biz Credit Card will be determined based on your income, credit history, and other factors considered by the bank.

Upgrading to the HDFC Bank UPI RuPay Biz Credit Card allows you to enjoy a range of benefits including cash points on various categories, interest-free credit period, insurance protection, and travel benefits.

Yes, you can use your HDFC Bank UPI RuPay Biz Credit Card on various payment apps that support UPI payments. Simply link your card in the app and make payments to earn rewards.

UPI RuPay Biz Credit Card integrates Credit Card benefits with UPI transactions. Here's a step-by-step guide: 

  • Download the UPI app such as PayZapp or PhonePe from the app store.
  • Link your UPI RuPay Biz Credit Card to the UPI app and set your UPI PIN for transaction verification
  • Enjoy secure transactions and withdraw cash at the ATMs using UPI RuPay Credit Card

Click here to read more FAQs