HDFC Bank UPI RuPay Credit Card: Easing the Deal with FintraGPT

Posted by  Fintra , updated 2024-03-11

HDFC Bank UPI RuPay Credit Card: Easing the Deal with FintraGPT

India’s largest private sector bank, HDFC Bank, provides a virtual card called HDFC Bank UPI RuPay Credit Card. It can be linked with UPI, which will help the individuals’ easy access. With loads of exciting rewards on groceries, this UPI RuPay Credit Card will bring a revolution to the cardholders’ everyday lives. By witnessing the mentality of Indian households, this card is solely designed for savvy spenders. HDFC RuPay Credit Card is not only restricted to grocery rewards but also has many more offers and benefits.

Unraveling the Mystery: HDFC UPI RuPay Credit Card

Before we embark on this credit card adventure, let's break it down. A RuPay Credit Card from HDFC is like having a magic wand in your wallet. It's not just a piece of plastic; it's your ticket to a world of convenience and financial flexibility. With this card, you can make purchases, pay bills, and even earn cool rewards.

Features, Fees and Charges of HDFC UPI RuPay Credit Card

Now, let's explore the features of the HDFC Bank UPI RuPay Credit Card without getting lost in a maze of complicated terms. FintraGPT is here to simplify the language, making it feel like a breeze:

  1. 3% Cashpoints on Groceries, Supermarket & Dining Spends, and PayZapp Transactions: Earn 3% cash points when you use your HDFC Bank UPI RuPay Credit Card for shopping at groceries, supermarkets, dining out, or making transactions through PayZapp. A maximum of 500 Points can be earned in a calendar month: This means there's a cap on the points you can earn in a month, ensuring fairness and clarity.
  2. 2% Cashpoints on Utility Spends: Get 2% cash points when you pay your utility bills using your HDFC UPI RuPay Credit Card. A maximum of 500 Points can be earned in a calendar month: Again, there's a limit on the points you can earn, making it easy to keep track.
  3. 1% Cashpoints on Other Spends (Excluding Rent, Wallet Loads, EMI, Fuel, Insurance Payments, and Government Categories): Earn 1% cash points on all other purchases made with your credit card, except for specific excluded categories like rent, wallet loads, EMI, fuel, insurance payments, and government transactions. A maximum of 500 Points can be earned in a calendar month: Just like the other categories, there's a monthly cap to ensure fairness.

                           HDFC RuPay Credit Card Apply


Let’s break down the fees of HDFC Bank UPI RuPay Credit Card in the following manner:

  1. Joining/Renewal Membership Fee: Rs. 99 plus Applicable Taxes: This is the initial fee you pay when you get your HDFC Bank UPI RuPay Credit Card. Don't worry; it's pocket-friendly! Festive Season Offer!!!: As a bonus, there's a special offer during festive seasons. Exciting, right?
  2. Renewal Fee Waiver: Spend Rs. 25,000 or more in an annual year: If you use your credit card for purchases totaling Rs. 25,000 or more within a year, you're in for a treat. Before your Credit Card renewal date: Make sure you hit that spending goal before your renewal date. Get your renewal fee waived from second year onwards: Boom! Your loyalty pays off. Spend enough, and your renewal fee is on the house for the following years.

Additional Information

Setting up your Credit Card PIN is the first step for UPI registration. You can easily do this by giving a call to 1860 266 0333. Once your PIN is set, linking your HDFC Bank RuPay UPI Credit Card to various UPI apps is a breeze. Simply download and register on your preferred UPI app like PayZapp, GPay, PhonePe, Mobikwik, Paytm, BHIM, or Slice. During the registration process, use your credit card PIN to register for your HDFC Bank UPI RuPay Credit Card. Once linked, you're all set to make UPI payments using your credit card, unlocking the door to a world of credit card benefits. It's that simple – set your PIN, link your card, and enjoy the perks!

                             hdfc credit card

FintraGPT: Your Personal Finance Whisperer

Now, let's talk about the star of the show: FintraGPT, an AI-powered friend is here to make your financial journey smoother than ever. Think of it as your personal finance whisperer, ready to answer your questions and demystify the world of credit cards.

  1. 1. Understanding Your Statements: Need clarification about the numbers and terms on your credit card statement? FintraGPT breaks it down in a way that's easy to grasp. You'll be reading those statements like a pro in no time.
  2. Budgeting Tips and Tricks: Budgeting doesn't have to be a headache. Let FintraGPT guide you through simple yet effective budgeting strategies to keep your finances on track.
  3. Credit Score 101: Your credit score is like your financial report card. FintraGPT will explain why it matters and how you can effortlessly maintain a healthy credit score.
  4. Troubleshooting Woes: Ran into a snag or have a burning question? FintraGPT is just a message away, ready to assist you in troubleshooting issues and providing friendly advice.


In the grand finale of our credit card saga, armed with the knowledge from FintraGPT, you're all set to embark on your HDFC  Bank UPI RuPay Credit Card adventure. No longer a rookie, you're now a credit card maestro, confidently managing your finances and enjoying the perks that come with it.

So, whether you're swiping for a shopping spree or earning rewards with every transaction, remember that FintraGPT is your go-to companion. Understanding your HDFC Bank UPI RuPay Credit Card has never been this easy and fun!