HDFC Bank UPI RuPay Credit Card

Movie & Dining

3% Cashpoints on Dining spends

Rewards Rate

3% Cashpoints on groceries, dining, and supermarket spends2% Cashpoints on utility spends1% Cashpoints on other spends, with some exclusions

Reward Redemption

The Cashpoints can be redeemed against card statement balance, hotel and flight ticket bookings, on the Smartbuy rewards portal, where 1 Cashpoints = Rs. 0.25

Travel

NA

Domestic Lounge Access

NA

International Lounge Access

NA

Golf

NA

Insurance Benefits

NA

3% Cashpoints on Essentials

This credit card feature caters to your everyday spending needs. It offers an impressive 3% Cashpoints on all your supermarket, dining, grocery, and PayZapp spends. Whether you're dining out, shopping for groceries or utilizing PayZapp, this feature enables you to earn Cashpoints that can be used to offset your future spending. It's a fantastic way to get more value out of your daily expenses.

2% Cashpoints on Utilities

This feature rewards you for paying your utility bills with the credit card. You can earn 2% Cashpoints on all your utility spends which include electricity, internet, water, and gas among others. It's an excellent way to get rewarded for the bills you'd have to pay anyway. These Cashpoints can be redeemed as statement credits or for a wide range of rewards, helping you to save money on your monthly bills.

1% Cashpoints on Other Spends

This credit card feature allows you to earn 1% Cashpoints on all other spends, excluding certain spend categories. This feature is particularly beneficial for those who use their card for a variety of expenses. You can earn Cashpoints on a wide range of purchases, from online shopping to fuel expenses. It's a great way to make your spending go further, gaining rewards across a broad spectrum of categories.

50-Day Interest-Free Credit

This credit card feature offers up to 50 days of interest-free credit period. This means you can make purchases on your card and not pay any interest on those purchases for up to 50 days. It's an excellent feature for those who need a little extra time to pay off their balance. It also aids in managing cash flows more effectively and helps avoid hefty interest charges that can accrue on balances. However, it's important to remember that the interest-free period applies only if you pay your balance in full by the due date.

Renewal Fee Waiver

This feature offers a renewal fee waiver when you spend Rs. 25000 or more in the previous year. This means that if you've spent Rs. 25000 or more on your card in the last year, you won't have to pay the annual renewal fee. It's a fantastic incentive for regular use of your card and can lead to substantial savings in the long run. The waiver is automatically applied, making it hassle-free and rewarding for those who use their card frequently.

Earn CashPoints on both regular and UPI payments made with the credit card

Get up to 3% CashPoints on grocery, supermarket, dining, and PayZapp spends

The card is issued only virtually and there is no hassle of keeping the physical variant

There are not many benefits apart from the UPI payments and cashback

Many spend categories are excluded from earning cashback