HDFC UPI Rupay Credit Card

1. Provides revolving credit facilities on these cards at a minimum interest rate
2. Enables renewal membership fee waiver on annual spending of Rs.25,000 and above
3. CashPoints can be redeemed through internet banking or physical redemption form
4. CashPoints offered can be redeemed against travel benefits and on Reward catalogue at SmartBuy portal
5. Per calendar month, the Reward points redemption for flights & hotels bookings is limited to 50,000 from 1 January 2023

1. Reward points redemption for Cashback redemption is also limited to 50,000 from 1 February 2023
2. Product or Voucher value of 70% can be redeemed through Reward points on select vouchers/products from 1 February 2023
3. A minimum CashPoints equivalent to ₹500 should be available with the customers for redemption against statement balance
4. The validity of the CashPoints received on HDFC Bank UPI RuPay credit card is two years from the date of transaction

Fees and Charges on HDFC UPI RuPay Credit Card

Here are the fees and charges imposed on the users to avail HDFC UPI RuPay credit card: 

1. HDFC Bank charges Rs.99 plus applicable taxes as joining or renewal membership fees 
2. Users can waive off renewal fees from the second year by spending Rs.25,000 or more in an annual year before the renewal date of the credit card.

How to Setup PIN for HDFC Bank UPI RuPay Credit Card through IVR?

Here are the steps to setup PIN for HDFC UPI RuPay credit card through IVR (Interactive Voice Response): 

1. From your registered mobile call IVR Toll number 1860 266 0333 
2. Enter the last four digits of credit card of the cardholder and ‘#’ 
3. Dial ‘1’ from mobile dialpad to generate the PIN for your credit card 
4. When ‘Generate a One Time Password’ (OTP) is sent to the registered mobile number of the cardholder via SMS, dial ‘1’ again 
5. Enter the six-digit OTP

Validation of the OTP and other details will be confirmed by the IVR after successful entering of OTP. The four-digit PIN can be set using ‘#’. 

How to Link or Register HDFC Bank UPI RuPay Credit Card in UPI Apps?

The following are the steps to register or link HDFC UPI RuPay credit card in UPI (Unified Payment Interface) apps:

1. Download the UPI application on your mobile device
2. Using your credit card details and PIN, register your HDFC UPI RuPay credit card in UPI apps

1. Set the before registering the credit card on UPI application and login to make UPI payments

How to Make Payment with HDFC Bank RuPay Credit Card on UPI?

The following are the steps to make payment with HDFC Bank RuPay credit card on UPI:

1. Scan the UPI QR code of the merchant
2. Select the credit account and enter the amount to be paid

1. Select the HDFC Bank RuPay credit card
2. Enter the UPI PIN to confirm the payment

The page will display the payment confirmation after successful completion of the payment.

How to Link HDFC Bank RuPay Credit Card on BHIM App?

The following are the steps to link HDFC Bank RuPay credit card on BHIM app:

1. From Play Store or App store, download BHIM app
2. If not registered, register your account for UPI payment with the BHIM application
3. Login into the BHIM app by entering the passcode
4. Click on ‘Bank account’ and then on ‘Add Account’ option
5. Under Credit Card option, select HDFC Bank, as Credit Card Issuer Bank

1. Select the HDFC Bank Credit Card and then click on ‘Confirm’
2. Click on ‘View Account’ and select from the option available, such as:

1. Enter the details of your HDFC Bank RuPay Credit Card
2. Expiry date and last six-digit of your credit card
3. Enter the OTP received on your registered mobile number

1. Enter the credit card PIN number
2. Set the UPI PIN

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