Eligibility Criteria to Apply for A RuPay Credit Card
Minimum 21 years and maximum 60 years for salaried individuals
Minimum 21 years and maximum 65 years for self-employed individuals
Applicants must be Indian nationals.
Salaried professionals or self-employed individuals.
HDFC Bank assesses eligibility for the Credit Card and determines the credit limit based on the applicant's annual income.
Benefits of RuPay Credit Cards
Reward Points
With HDFC Bank RuPay Credit Cards, you can earn reward points on various types of expenses, including groceries, dining, and bill payments.
Interest-Free Period
With HDFC Bank RuPay Credit Cards, you can earn reward points on various types of expenses, including groceries, dining, and bill payments.
Interest-Free Period
HDFC Bank provides a 50-day interest-free period on your RuPay Credit Card purchases, allowing you to make payments within a specific timeframe without incurring interest charges.
Easy EMI Options
HDFC Bank RuPay Credit Cards offer the flexibility of converting high-value transactions into easy Equated Monthly Instalments (EMIs).
RuPay Credit Card Link with UPI
RuPay Cards are enabled for UPI payments. You can easily link your RuPay Credit Card with various payment apps and use it to transact though UPI.
To register for UPI, you need to set up your Credit Card PIN. Just dial 1860 266 0333.
Here is how you can link RuPay Card with UPI:
- Download and open your preferred UPI-enabled app, such as PayZapp.
- Register your HDFC Bank UPI RuPay Credit Card within the app.
- Once registered, you can start making UPI payments using your Credit Card.
How to link HDFC Bank RuPay Credit Card on PayZapp app?
Existing PayZapp Users
Follow these simple steps to link your RuPay Card with UPI:
- Choose 'RuPay Credit Card' and then select your Credit Card issuer to seamlessly link your RuPay Credit Card.
- Select 'UPI Accounts' and click on the '+ Add new' option.
- Log in to your PayZapp account and navigate to the 'Accounts & Cards' section.
New PayZapp Users
Follow the provided steps to get started with PayZapp and start using your RuPay Card for UPI payments.
- Download the PayZapp app from either the Google Play Store or the Apple App Store.
- Complete the PayZapp registration process.
- Head to ‘Accounts & Cards’ section and select '+ Add New’ option.
- Select ‘RuPay Credit Card' to set up your UPI.
- Choose the 'HDFC Bank Credit Card' to conveniently fetch and link your HDFC Bank RuPay Credit card.
Set up your UPI PIN, by following these steps:
- Navigate to the PayZapp Home screen.
- Select 'Accounts & Cards,' then 'UPI Accounts.'
- Click on the 'Credit Cards' tab.
- Enter the last 6 digits of your card and its expiry date.
- Enter the One-Time Password (OTP).
- Enter your Credit Card PIN.
- Follow the prompts to set your UPI PIN.
Making UPI payments with HDFC Bank RuPay Credit Card
- Launch your preferred UPI payment app such as PayZapp.
- Scan the UPI QR (Quick Response) code of the merchant or enter their details.
- Input the desired amount and choose your linked RuPay Credit Card.
- For enhanced convenience, opt for your HDFC Bank RuPay Credit Card account.
- Enter your UPI PIN to complete the payment.
- Get the payment confirmation receipt.
UPI Transactions via RuPay Credit Card
Only person to merchant (P2M) transactions are allowed when you use your RuPay Credit Card for UPI transactions:
- Online & Offline Shopping:
You can make payments at online and offline retail stores, supermarkets, shopping malls, e-commerce websites.
Pay for services like electricity, gas, water, internet, etc., via UPI, using your RuPay Credit Card.
- Food Deliveries & Dining Out:
You can pay food establishments or food delivery platforms for their services via UPI.
You can pay for multiple subscription services via UPI linked to your RuPay Credit Cards. Plus, you can also set up automatic payments for recurring transactions.
Whether train, flight, bus, travel packages or more, you can make your travel-related bookings via UPI.
You can scan merchant QR codes and pay using UPI linked to your RuPay Credit Card. The transaction amount will be deducted from your RuPay Credit Card’s credit limit and billed to you in the subsequent Credit Card statement.
Note: Peer-to-peer (P2P), peer-to-peer merchant (P2M), cash withdrawal at ATMs or merchants, Mutual Funds payments, foreign inward remittances, payments on lending platforms, initial public offering (IPO) subscription and other such payments are not permitted on the UPI linked to the RuPay Credit Card.
Benefits of UPI transaction through RuPay Credit Card
Easy Bill Payments
You can conveniently use your RuPay Credit Card for UPI transactions to pay bills, including utility bills, mobile recharge, and more.
Earn Rewards
By using your RuPay Credit Card for UPI payments, you can enjoy the convenience of UPI payments and earn rewards, such as cashback, reward points, or discounts.
Credit Card Benefits
UPI transactions made through your RuPay Credit Card enable you to enjoy card benefits, such as interest-free credit periods, lounge access and insurance coverage, depending on your card type.
How Does a RuPay Card Work?
A RuPay Credit Card operates seamlessly with a Chip+PIN technology. With the Credit Cards, you can pay for goods and services based on your promise to pay the bank for the utilised amount along with other charges. You can use the card for online purchases, shopping at POS, purchases on EMI and cash withdrawal from ATMs.
Where are RuPay Credit Cards Accepted?
RuPay Credit Cards are widely accepted in India for Point of Sale (PoS) transactions, ATM withdrawals, and e-commerce purchases. They can also be used for international transaction at PoS terminals, ATMs, and e-commerce websites that are enabled for Discover Financial Service (DFS).
FAQs
How to apply for an HDFC Bank RuPay Credit Card?
You can apply for a RuPay Credit Card by visiting the official HDFC Bank website and initiate the application process in the Credit Card section.
Is RuPay Credit Card accepted everywhere?
RuPay Credit Cards are widely accepted in India. However, international acceptance depends on the merchants’ accessibility of Discover Financial Service (DFS).
Is RuPay Credit Card better than Visa?
The choice between RuPay and Visa Cards depends on individual preferences and needs.
Is RuPay accepted internationally?
RuPay Credit Cards are accepted for international transactions at Point of Sale (PoS) terminals, ATMs, and e-commerce websites that support Discover Financial Service (DFS).
Can I withdraw money from a RuPay Credit Card?
Yes, you can withdraw money from an ATM using a RuPay Card, provided it has the necessary ATM withdrawal functionality enabled.
Are there any requirements for linking my HDFC Bank RuPay Credit Card to a UPI Payment app?
To link your HDFC Bank RuPay Credit Card to a UPI app, you must first setup your HDFC Bank Credit Card PIN. To do so, you can call on the following number 1860 266 0333.
Do I need to generate a UPI PIN, or can I utilise my Credit Card PIN for Credit Card transactions?
You will need to create a UPI PIN If you wish to initiate UPI payments with your Credit Card. You use your Credit Card PIN for non-UPI transactions.
Is it possible to change my UPI PIN?
Certainly, you have the option to change your UPI PIN for your RuPay Credit Card account. This can be done by logging into your UPI payment application, such as PayZapp.
Is there a transaction amount limit for using a linked Credit Card on UPI?
The daily transaction limit per card can reach the UPI limit, which is ₹1 lakh per day. For specific MCC codes like 5960, 6300, and 6529, it can be ₹2 lakh (excluding restricted category merchants mentioned in the previous question). However, this limit depends on the available credit limit on your Credit Card. Please note that the daily transaction limit per card will be ₹5,000 for the initial 24-72 hours after linking the card with a UPI payment app.
Are there any fees for linking or conducting UPI transactions with a linked Credit Card?
There are no charges associated with linking or carrying out transactions using a linked Credit Card on UPI.
What is the maximum number of transactions allowed from a linked Credit Card on UPI?
There are no restrictions on the number of transactions you can perform with a linked Credit Card on UPI.
Which merchant categories are prohibited for payments using an HDFC Bank RuPay Credit Card on UPI?
The restricted categories for transactions include P2P (Peer to Peer), P2PM (Peer to Peer Merchant), digital account opening, lending platforms, cash withdrawal at a merchant, cash withdrawal at an ATM, ERUPI, IPO, Foreign Inward Remittances, Mutual Funds, and any other categories as determined by HDFC Bank from time to time.
