What is a UPI on Credit Card?
Unified Payment Interface (UPI) on Credit Card is a Credit Card feature where you can link the card to UPI payments. Typically, you can link UPI to a bank account and after making a UPI payment, the money would be deducted from said bank account. With UPI on Credit Card, after making a payment, the amount will be deducted from your Credit Card’s credit limit and billed to you in the upcoming Credit Card statement.
How can I apply for UPI Credit Card?
You can apply for HDFC Bank UPI Rupay Credit Card online instantly through My cards and Payzapp. In case of an issue, please reach out to customer care for further assistance.
How to use UPI on Credit Card?
First, you must link your UPI-enabled Credit Card to a UPI app of your choice. Next, when you make UPI payments, choose to pay with your Credit Card amongst the payment options.
What is the credit limit of UPI Credit Card?
Note that an HDFC Bank UPI RuPay Credit Card is issued as an additional floater card on your existing Credit Card. Therefore, the credit limit of the UPI RuPay Credit Card will remain the same as your existing card’s credit limit and it will be shared between the two cards.
Can I withdraw money from UPI Credit Cards?
No, you cannot. The Digital UPI RuPay Credit Card is solely a virtual card, hence, the cash withdrawal facility is not applicable on such cards.
How can I activate my UPI RuPay Credit Card?
You can click here to know how to activate your HDFC Bank UPI RuPay Credit Card. You must set up a PIN for your Credit Card before you link your RuPay Credit Card to a UPI app.
Who can apply for a UPI RuPay Credit Card?
For HDFC Bank UPI RuPay Credit Cards, only existing HDFC Bank customers can apply for the card.
Is the UPI Credit Card a virtual Credit Card?
The HDFC Bank UPI RuPay Credit Card is a virtual Credit Card. You can view the card details on HDFC Bank’s MyCards.
What are the benefits of a UPI Credit Card?
While you can use a UPI Credit Card like any other Credit Card, its biggest advantage is that you can use the card to make UPI payments. At the time of UPI payment, you can choose to pay via your UPI Credit Card. You can enjoy the new world of ‘Credit + Convenience’ with HDFC Bank UPI RuPay Credit Card, enabled for UPI payments. Once you link your HDFC Bank UPI RuPay Credit Card to UPI apps, you can earn reward points along with the convenience of Scan and Pay.
How many cashpoints will I receive on payment done via UPI Credit Card?
With the HDFC Bank Digital UPI RuPay Credit Card, you can avail of 3% CashPoints on Groceries, SuperMarket & Dining spends and all PayZapp transactions, 2% CashPoints on utility spends and 1% CashPoints on other spends*. The maximum CashPoints you can earn under each category per month is 500. You can check the detailed terms and conditions here.
How does a UPI Credit Card work?
A UPI Credit Card offers the perks of UPI and a Credit Card. Like UPI, you can make quick payments to a merchant UPI ID or scan a QR code to pay and like a Credit Card, you can enjoy the benefit of buying now and paying later. To use the card, you must link it to a UPI app. When you make a payment via UPI, you can select your linked UPI Credit Card to pay. The transaction amount will be deducted from your card’s credit limit and billed to you later.
If my Credit Card is renewed, do I need to link it to UPI again?
Note that when a Credit Card is renewed, the card number, expiry date and CVV also change. Hence, if your Credit Card is enabled for UPI and has been renewed, you must re-register the card in the UPI app.
Additional Questions:
Is there any Joining/Annual fee for HDFC Bank Digital UPI RuPay Credit Card?
The joining/annual fee for the HDFC Bank UPI RuPay Credit Card is ₹99 per annum.
Does my digital UPI Credit Card come with a welcome offer?
Yes, it does. With the HDFC Bank Digital UPI RuPay Credit Card, you can receive a ₹250/- worth gift voucher for 1st transaction done within 37 days of activation. Voucher details will be shared within 90 days of 1st transaction month.
How can I link my HDFC Bank Digital UPI RuPay Credit Card on UPI?
Complete your UPI app registration journey with your registered mobile number and follow these 3 simple steps to enable your HDFC Bank Digital UPI RuPay Credit Card for payments.
1. Open the preferred UPI app and choose ‘Add RuPay Credit Card’ or a similar option.
2. Select HDFC Bank as the issuer. Your eligible HDFC Bank Credit Cards will be displayed.
3. Select your card and enter the last 6 digits of your card, card expiry and OTP to complete your registration.
I changed my mobile number. How can I link my card on the UPI app?
You can update your new number on your HDFC Bank Digital UPI RuPay Credit Card profile. Once updated, you can re-link your card on UPI apps.
Is my Credit Card PIN and UPI PIN the same?
No, it is not. You need to generate a new UPI PIN to perform UPI payments.
To generate a UPI pin, follow these steps: Profile -> RuPay Credit Cards -> Add RuPay Credit Card on UPI -> Select Bank from the list -> Card will auto display last 4 digits -> select card -> Set 4-digit UPI pin
-> Confirm 4-digit UPI pin.
Note that as the user, it is your choice whether you wish to keep the Credit Card PIN and UPI PIN the same or not.
Can I change my UPI PIN and if yes, what is the process?
Yes, you can modify your UPI pin through the 'Change UPI Pin' option in your UPI apps.
To change UPI PIN, follow the steps: Profile -> RuPay Credit Cards à Select Card -> Forgot UPI -> Input last 6 digits and expiry -> Enter 6-digit OTP -> Enter 4-digit ATM PIN -> Set 4-digit UPI PIN -> Confirm 4-digit UPI PIN.
Is there any limit on UPI transactions?
Post-UPI PIN generation for your HDFC Bank Digital UPI RuPay Credit Card, you can make a transaction of up to ₹5,000/- for the first 24 hours. After 24 hours, the amount limit per card, per day can be up to the UPI limit (i.e. ₹1 lakh per day). However, it will be subject to the available credit limit on your credit card.
Are there certain merchants where I can't use my Credit Card on UPI?
Yes, the restricted categories include digital account openings, lending platforms, cash withdrawals at merchants or ATMs, e-RUPI, IPOs, Foreign Inward Remittances, Mutual Funds and any others specified by the National Payment Corporation of India (NPCI).
Can I send UPI payments to individuals or other Credit Cards using my Digital UPI RuPay Credit Card?
No, you cannot. Only merchant payments, as authorised by NPCI, are permitted using a Digital UPI RuPay Credit Card. This way, revolving credit by transferring money to bank accounts of friends and relatives can be eliminated. Any payment being made to a UPI ID or QR code that belongs to an individual and not to a merchant will fail or get denied. For instance, if an auto driver offers their personal and not business UPI QR code for payment, then you can’t pay for your ride using the UPI Credit Card.
I am receiving an error message while making the payment using my Digital UPI RuPay Credit Card. What should I do?
In case of a UPI merchant-related issue, you can report the case for a resolution to NPCI on their official website and provide details under the ‘UPI Complaint’ section.
