CashPoints are calculated on the spends made within the calendar month cycle and not basis statement cycle. Only settled transactions within the calendar month will be considered for CashPoints posting.

Yes, RuPay Credit Cards can be seamlessly used for UPI transactions. Users can download and register on their preferred UPI app, such as PayZapp, GPay, PhonePe, Mobikwik, PayTM, BHIM, or Slice. By registering the UPI RuPay Credit Card using the Credit Card PIN, users can make UPI payments and leverage the associated benefits, combining the strengths of Credit Cards on UPI platforms. Additionally, this card allows cash withdrawals at ATMs, providing users with a comprehensive financial tool for various transactions.

Cardholder can set up a PIN for UPI RuPay Credit Card by calling IVR Toll number 1860 266 0333

Steps for IVR:

• Call IVR Toll number 1860 266 0333 from your registered mobile number:
• Enter the last 4 digits of the Cardholder credit card followed by hash (#)
• Dial 1 to generate a Credit card PIN
• Again Dial 1 when prompted to "Generate a One Time Password" (OTP) to Cardholder mobile as an SMS and enter the 6-digit OTP
• On successful entry of OTP, the IVR will confirm successful validation and ask the cardholder to set the 4-digit PIN followed by the hash(#) key. If cardholder get disconnected at step# 4:- Redial the Toll number, after Step2 ….“Dial 2 to enter the 6 digit OTP
• Click here to know more.

To enjoy the benefits of a UPI RuPay Credit Card, users need to set a UPI PIN. This PIN is essential for UPI registration, ensuring a secure link between the Credit Card and UPI functionalities. Once registered, users can make UPI payments using their Credit Cards, experiencing the dual advantage of both Credit Card benefits and UPI transactions.

RuPay UPI Credit Card combines the benefits of RuPay and UPI, offering a seamless fusion of credit card and UPI functionalities. This RuPay Credit Card for UPI serves as a versatile financial tool, allowing users to make secure transactions both as a Credit Card and through UPI platforms.

a. If you are an existing HDFC Bank credit card holder:

• MyCards: You can quickly apply online by clicking here
• PayZapp: If you have PayZapp app, just head to the Credit Card section to get started. Don’t have it yet? Download PayZapp here and apply directly from your phone

b. If you don’t have any HDFC Bank credit card:

• Apply for any Visa / Mastercard / Diners credit card from HDFC Bank website as your Primary Credit Card
• Ask to get an additional UPI RuPay Credit card with your Primary Credit Card
• Get your UPI RuPay Credit Card when your Primary Card is issued

Since the UPI RuPay Card is a virtual card, no physical card will be delivered. An SMS will be triggered to the cardholder once the UPI RuPay credit card is issued and cardholder can view the complete details on MyCards platform.

Please note that there is a calendar month capping on CashPoints accrued on the below-mentioned features.

• Maximum capping for 3% CashPoints on groceries, supermarket, Dining & all PayZapp transactions is 500 Points 

• Maximum capping for 2% CashPoints on utility spends is 500 points 

• Maximum capping for 1% CashPoints on other spends is 500 points

No, the UPI RuPay Credit Card will be issued as an additional floater card only and not as a standalone card or fresh Credit Card.

• Interest-Free Credit Period: Avail up to 50 days of interest-free period on UPI RuPay Credit Card from the date of purchase (subject to the submission of the charge by the Merchant).

• Rewards on UPI Spends: Cardholders can link UPI Credit Card in UPI Apps and earn cashpoints for UPI purchases

Step 1: Download/open UPI app and register UPI Rupay Credit Card using the credi

Step 2: Register UPI RuPay Credit Card in UPI apps by using credit card details & PIN.

Step 3: Make UPI payments using UPI RuPay Credit Card & enjoy Credit Card benefits even on UPI payments

Note: Cardholder need to setup credit card PIN before linking/registering the card in

UPI Apps.

To Know more about UPI transactions on HDFC Bank UPI RuPay Credit,

Refer link - https://www.hdfcbank.com/personal/rupay-cc-on-upi

 There is no fuel surcharge applicable on UPI payments. Therefore, no fuel surcharge waiver will be provided, however w.e.f 1st Oct 2025, 1% fee will be levied on Fuel transaction exceeding Rs 15,000. Fee capped at Rs 4999 per transaction

CashBack shall not be eligible for the following spends/transactions on the card,

• Fuel spends

• Cash advances

• Payment of outstanding balances

• Payment of card fees and other charges

• All EMI spends (Merchant EMI/ Smart EMI / Dial an EMI etc)

• Wallet spends

• Rent payments

• Government related spends

If a cardholder breaches the monthly cycle capping of the product features, then CashPoints shall not be rewarded for the spends done beyond the monthly capping.

No. EMI spends shall not earn any CashPoints

No document proof is required for applying UPI RuPay Credit card.

CashPoints of 3% will be calculated basis the Merchant Category Code (MCC) shared by the RuPay network. If in case the MCC is not available in the set-up, such transactions will not qualify for the benefit. Only Below mentioned MCCs will be considered for cashpoints posting Merchant category & MCC code: Grocery & supermarket 5411, Dining 5812, 5814

CashPoints are an exclusive rewards metric system created by HDFC Bank for credit cardholders which can be used towards cashback redemption against the statement at the rate of 1 CashPoint = ₹0.25 for UPI RuPay Credit Card Holders.

Please note that CashPoints will be posted as reward points only.

CashPoints of 2% will be calculated basis the Merchant Category Code (MCC) shared by the RuPay network. If in case the MCC is not available in the set-up, such transactions will not qualify for the benefit. Only 4900 Merchant Category code (MCC) as defined by RuPay Card Network is considered under utility spends

• 3% CashPoints on groceries, supermarket, dining & all PayZapp transactions 

• 2% CashPoints on utility spends 

• 1% CashPoints on other spends
  Except for fuel, rent payments, EMI spends, Govt related transactions and wallet/ gift /prepaid card loads & voucher purchase transactions.

Yes, cardholders can use this card for normal Ecom purchases as well as UPI purchases.

Yes, Cardholder will earn cashpoints for both UPI spends as well normal credit card Ecom spends ( As per the maximum cashpoints capping mentioned in Question 1)

No, UPI RuPay Credit Card will be issued only as virtual card and no physical card will be issued.

• First Year Membership Fee of ₹99 + applicable taxes and renewal membership Fee of ₹99 + applicable taxes

• Spend ₹25,000 in 12 months (Annual year) and get the renewal fee waived for the next renewal year.

Goods and Services Tax (GST)

• Effective 1st July 2017, Goods & Services Tax (GST) is applicable on all fees, charges and interest transactions.

• The applicable GST would be dependent on place of provision (POP) and place of supply (POS). If POP and POS are in the same state then applicable GST would be CGST and SGST/UTGST else, IGST.

• GST for fee & charges / Interest transactions Billed on statement date will be reflected in next month's statement.

• GST levied will not be reversed on any dispute on fee & charges/interest.

• CashBack is a CashPoints that can be redeemed against the statement balance at a rate of 1 CashPoint = ₹0.25, via net banking or offline redemption on flights, hotel bookings, and rewards catalogue at the SmartBuy rewards portal.

• A minimum of 500 cashpoints is required for redemption.

• Maximum of 50% of the booking value can be redeemed through CashPoints.

• CashPoints are valid for 2 years from the date of accumulation.

Minimum transaction amounts of ₹100 & above only are eligible for cashpoints posting for 3%, 2% and 1% features

RuPay UPI Credit Card functionality is compatible with various UPI apps, offering users flexibility in choosing their preferred platform. Users can seamlessly link and use their RuPay Credit Card on popular UPI apps like PayZapp, GPay, PhonePe, Mobikwik, PayTM, BHIM, and Slice, enhancing accessibility and convenience.

The total CashPoints earned in a cycle will be reflected in the subsequent statement of the cardholder.

UPI RuPay 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 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.

Cardholder can view the UPI RuPay credit card in MyCards platform by logging in through a registered mobile number and can view the card details like 16-digit Credit Card number, CVV & Date of Expiry.

Note: The UPI RuPay Credit Card will be available in MyCards platform after the application is processed.

Spends done through SmartBuy shall not be eligible for CashPoints