HDFC Bank RuPay Credit Card on UPI

HDFC Bank RuPay Credit Card on UPI


Step by Step Guide to Enable RuPay Credit card on UPI


Welcome to the new world of ‘Credit + Convenience’ with HDFC Bank RuPay Credit Cards, enabled for UPI payments. Here’s a quick guide to assist you to start enjoying this added privilege on your Credit Cards. We request you to set your credit card PIN (If not already set) before starting this process. You can easily set your HDFC Bank Credit Card PIN by calling 1860 266 0333)



Currently, you can link your HDFC Bank RuPay Credit Card in select UPI apps only. (PayZapp/ GPay/ PhonePe/ Mobikwik/ PayTM/ BHIM/ Slice /Tata Neu)


How to link HDFC Bank  RuPay Credit Card on PayZapp app?


If you are already a PayZapp user, please follow the below steps to add your RuPay credit card to UPI.

Step 1: Login to PayZapp and go to 'Accounts & Cards' section.

Step 2: Go to ‘UPI accounts’ and click on '+ Add new'

Step 3: Select 'RuPay credit card' -> Select ‘HDFC Bank credit card’ to fetch and link your HDFC Bank RuPay Credit card.


If you are not a PayZapp user, please follow the below steps to download and add your RuPay credit card to PayZapp UPI.

Step 1: Download PayZapp app from Play store or App store.

Step 2: Start the PayZapp registration journey and click on '+ Add New’ -> ‘Rupay Credit Card' during your UPI registration process.

Step 3: Select ‘HDFC Bank credit card’ to fetch and link your HDFC Bank RuPay Credit card.


For UPI PIN Setup, go to PayZapp Home -> Accounts & Cards -> UPI Accounts -> Click on ‘Credit Cards’ tab and set UPI PIN.

  • Enter last 6 digits of the card & Expiry date
  • Enter OTP
  • Enter Credit Card PIN
  • Set UPI PIN




Make payment with HDFC Bank RuPay Credit Card on UPI


  • Scan merchant UPI QR Code
  • Enter Amount & Select Credit Account
  • Select HDFC Bank RuPay Credit Card account followed by UPI PIN
  • View Transaction History



Frequently Asked Questions


1. What are the prerequisites for linking HDFC Bank RuPay Credit Card on UPI Payment app?

HDFC Bank RuPay Credit Card PIN needs to be setup before linking Credit Card on UPI apps. HDFC Bank Credit Card PIN can be setup by calling 1860 266 0333

2. Will I have to set UPI Pin or I can authenticate Credit Card transactions using Card pin?

You will have to setup UPI Pin to authenticate this transaction.

3. Can I change my UPI Pin?

Yes, you can change your UPI pin of your respective RuPay Credit Card account

4. How can I make payment to a retail offline merchant using HDFC Bank RuPay Credit Card on UPI?

Once you have added your HDFC Bank RuPay Credit Card to the UPI app, open UPI app on your mobile, click on ‘Scan’. QR scanner will open on UPI app, scan the QR, enter the amount, select HDFC Bank RuPay credit card from the drop-down menu, confirm the payment by entering UPI Pin. Payment confirmation will be displayed, once the payment is done.

5. How can I make payment to an e-commerce merchant using HDFC Bank RuPay Credit Card on UPI?

Payment can be made for e-commerce merchant either through an Intent request or collect request from the merchant. Select UPI app as payment mode at merchant website /app, login into UPI app, select HDFC Bank Credit Card from the drop-down menu, confirm the payment using UPI Pin. Payment confirmation will be displayed, once the payment is done, you will be routed back to the merchant page.

6. What if I change my mobile number, how can I link my HDFC Bank RuPay Credit Card on UPI app?

If you have changed your mobile number, kindly update the same for your HDFC Bank RuPay Credit Card as well. Once updated, kindly re-register the credit card on UPI app.

7. Can I make payment to any person or other Credit Card using the linked Credit Card on UPI?


No, only payment to merchant (P2M) will be allowed from the linked Credit Card.

8. Can I link my Visa/Mastercard/Diners Credit Card on UPI?

Currently, only RuPay Credit Card can be linked on UPI.

9. What are the number of transactions allowed from linked Credit Card on UPI?

There is no limit for the number of transactions carried out from linked Credit Card on UPI.

10. What are the restricted merchant categories on which customer won’t be able to make payment using HDFC Bank RuPay Credit Card on UPI?

Categories – P2P, P2PM, digital account opening, lending platform, cash withdrawal at merchant, cash withdrawal at ATM, ERUPI, IPO, Foreign Inward Remittances, Mutual Funds and any other categories as restricted by HDFC Bank from time to time.

11. Is there any limit on the amount of transaction that can be carried out from linked Credit card on UPI?

Amount limit per card per day can be upto  UPI limit (i.e, 1 lakh per day and 2 lakh for some special MCC codes i.e 5960, 6300 & 6529 (Excludes the restricted categories merchant in previous Question), however, it will be subject to the available credit limit on your credit card.
To note - Amount limit per day per card is Rs.5,000 for first 24 hrs of linking the card in UPI app.

12. Will I be charged for linking or carrying out any transaction from linked Credit Card on UPI?

Customers will not be charged for linking or carrying out any transaction from the linked Credit Card on UPI.


13. Can I make my linked Credit Card as default account to receive funds?

Funds cannot be received on linked credit card on UPI.

14. Do I need to enable card controls on HDFC Bank RuPay Credit card to use for online or contactless transactions?

Yes, Customer needs to enable HDFC Bank credit card controls (Ecommerce, contactless etc) separately to use Credit card for regular purchases

15. If my HDFC Bank RuPay Credit card is renewed, do I need to link  it again in UPI?

Yes, if your HDFC Bank RuPay Credit card is renewed/replaced, customer needs to re-register in UPI with updated Credit card details

16. Where can i see my HDFC Bank RuPay Credit card transactions happened through UPI platform?

HDFC Bank Credit card transactions through UPI platform can be viewed in HDFC Bank RuPay Credit card statements every month

17. Will I earn any reward points for UPI spends using HDFC Bank RuPay Credit Card?

Yes, UPI spends using Credit Card will earn reward points (Excluding categories as per Credit Card product features/Terms & Conditions). 

Refer below table for detailed reward points structure on HDFC Bank RuPay Credit Cards.


Product Name

Reward points (RPs)

HDFC Bank Freedom Credit Card

1 RP for every Rs.150 spent

HDFC Bank Indian Oil Credit Card

1 RP for every Rs.150 spent

HDFC Bank RuPay Bharat Credit Card

1 RP for every Rs.150 spent

HDFC Bank MoneyBack+ Credit Card

2 RP for every Rs.150 spent

HDFC Bank Regalia First credit Card

4 RP for every Rs.150 spent

HDFC Bank Regalia Credit Card

4 RP for every Rs.150 spent

HDFC Bank IRCTC Credit Card

1 CashPoint for every Rs.100 spent

HDFC Bank Shoppers Stop Credit Card

2 First Citizen points for every Rs.150 spent

Tata Neu Plus HDFC Bank Credit Card

upto 1% back as Neucoins

Tata Neu Infinity HDFC Bank Credit Card

upto 1.5% back as Neucoins

HDFC Bank Business MoneyBack

2 RP for every Rs.150 spent

HDFC Bank Business Regalia Credit Card

4 RP for every Rs.150 spent


18. Is there any capping on the reward points that can be earned on UPI spends through RuPay Credit Cards?

Maximum of 500 reward points can be earned in a calendar month on UPI spends through RuPay Credit Card.


19. Will I get any surcharge waiver on fuel purchases done using RuPay Credit Card via UPI mode?

There is no Fuel Surcharge applicable on UPI payments. Therefore, no fuel surcharge waiver will be provided.


20. Can I apply for an Add On card for HDFC Bank RuPay Credit Card?

No, You can't apply for an Add On card for HDFC Bank RuPay Credit Card.



For more details on RuPay Credit card on UPI refer NPCI website

https://www.npci.org.in/what-we-do/rupay/rupay-credit-card-on-upi




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