Key Features & Benefits
- ✦Use as a credit card via UPI (Scan & Pay at any QR code)
- ✦Earn CashPoints on all UPI credit card transactions
- ✦10X CashPoints on BigBasket, BookMyShow, OYO, Swiggy, Uber
- ✦5X CashPoints on EMI spends at merchant locations
- ✦1 CashPoint per ₹150 on other spends
- ✦10% savings on Swiggy Dineout
- ✦RuPay benefits on government merchant transactions
- ✦1% fuel surcharge waiver
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Welcome & Joining Benefits
- ✦Welcome cashpoints on first transaction
Milestone Benefits
- ✦Check bank website for current benefits
Pros & Cons
✓ Advantages
- ✓Earn credit card rewards on UPI — unique to RuPay credit cards
- ✓Works at all QR code merchants — groceries, restaurants, shops
- ✓10X on 5 popular apps same as HDFC Freedom
- ✓Government merchant perks on RuPay network
✗ Disadvantages
- ✗RuPay acceptance lower at some international platforms
- ✗No lounge access
- ✗3.5% forex
Frequently Asked Questions
How do I pay via UPI using this credit card?▼
Add your HDFC RuPay Credit Card as a payment source in any UPI app (PhonePe, BHIM, PayZapp). When you scan a QR code and pay, it will use your credit card limit and earn CashPoints.
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