Apply via PayZapp or scan the above QR

PayZapp
Millennia Credit Card

What's in store for you

Additional Benefits

Apply Now in 3 Easy Steps:

You can easily apply for Credit Line on UPI by following the below steps:

  • Download and Login to PayZapp.
  • If eligible for PayLater – Credit Line on UPI, offer can be discovered from:
  • Banner on PayZapp home screen
  • PayLater icon under “Bank” tab
  • Proceed to complete PayLater – Credit Line on UPI onboarding & activation journey.

*In certain cases, uploading documents and completing video KYC might be required.

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Know more about the card

Account Management via PayZapp

  • End-to-end management via PayZapp
  • Track spends
  • Raise tickets in-app via PayZapp help centre
Card Management and Controls

Card Highlights

  • Flexible Credit Limits

    • Access a credit line with limit up to ₹1,00,000, based on your eligibility.

  • EMI Facility

    • Convert your large purchases of above Rs. 10,000/- into monthly instalments of 3, 6, 9 or 12 months

  • UPI Integration

    • Easy to get and easy to use credit via PayZapp or any UPI application, with no minimum transaction limit.

  • Wide Merchant Acceptance

    • Use your credit line across 60+ million merchants

  • Convenient Payment Options

    • Choose your billing cycle and enjoy the convenience of seamless auto-debit repayments directly from your Bank Account.

  • Secure Authentication

    • Authenticate transactions with a dedicated PIN for Credit Line on UPI and prevent unauthorised access.

Fees and Charges

Linking Credit Line to other UPI Apps

    Post successful onboarding, credit line is auto-linked to PayZapp app and can be used to make merchant payments.

    Steps to link credit line on other UPI apps:

  • Login to the UPI app
  • Tap on “Payment Methods”
  • Select option to add “Credit Line”
  • Select HDFC Bank from the list provided. An SMS will be sent from your mobile to fetch the PayLater credit line.
  • Your HDFC Bank PayLater – Credit Line on UPI will be linked to the UPI App which can be used to make merchant payment instantly
Fees and Charges

Eligibility

    HDFC Bank PayLater – Credit Line on UPI will be available for select pre-approved customers, basis eligibility.

How to Pay?

    Payments via QR code at merchants:

    Payments to Online merchants:

Card Control and Redemption

Statements and Repayments

  • The statement shall be sent on your registered Email ID on the selected billing date
  • You can also view and download the digital statements on PayZapp
  • On the payment due date, the outstanding amount shall be auto-debited from the account linked at the time of PayLater onboarding.
  • In case of missed repayment, you have the option of repaying the outstanding amount via PayZapp through UPI or debit card.
Credit and Safety

Servicing via Help Centre

    You can easily refer to the FAQs for every section by clicking on “?” on PayLater home screen on PayZapp to view and get answers to your questions. ​

    You can also raise a query ticket within the app if you need more help by clicking “Raise a Ticket”, and the service team will respond to your query in the app.​

    How to Raise a Ticket?

  • Tap "?" on the PayLater Home Page.
  • Choose the relevant category and query.
Contactless payments

Fees and Charges

  • Account set up fee: Nil

    • For non-EMI transactions, slab-based processing fee basis credit limit utilization-

  • Up to Rs. 2000- Nil.
  • >Rs. 2,000 up to Rs. 10,000- Rs. 149+ applicable taxes
  • >Rs. 10,000- Rs. 20,000 Rs. 199+ applicable taxes
  • Rs. 20,000- Rs. 249+ applicable taxes

    •  

  • EMI processing fee- Rs.199+ applicable taxes
  • Interest on EMI- 18%+ applicable taxes
  • EMI Foreclosure Charges- 3% of the outstanding principal+ applicable taxes
  • Late payment fee- Rs. 199+ applicable taxes
  • Late payment interest charge- 3% per month of the outstanding principal + applicable taxes.

    • Click here to view detailed list of fees and charges

Application Channels

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

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