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HDFC Bank UPI RuPay Credit Card: The Perfect Blend of Convenience and Rewards

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Ever wished you could use your credit card benefits for everyday UPI payments? Well, HDFC Bank has made that a reality with the innovative HDFC Bank UPI Rupay Credit Card. This card caters to those who crave the ease of UPI transactions but don't want to miss out on earning rewards on their spending.

Here's what makes this card unique:

  • UPI Convenience with Credit Card Perks: Unlike traditional credit cards, the HDFC Bank UPI Rupay Credit Card is virtual. It links seamlessly with popular UPI apps like PayTM, PhonePe, and BHIM. This allows you to make secure and instant UPI payments while still accumulating reward points on your purchases.

  • Reward Yourself with Every Transaction: Forget choosing between convenience and rewards. This card lets you earn CashPoints on almost all your UPI transactions. You get rewarded the most (3%) for spending on groceries, supermarkets, dining, and even using the PayZapp app. Utility bill payments also fetch you rewarding points (2%), while other purchases earn you 1% CashPoint (with some exclusions). There's a monthly cap on points earned in each category, but that just motivates you to maximize your savings!

  • Extend Your Purchase Power: Just like a regular credit card, the HDFC Bank UPI Rupay Credit Card offers an interest-free credit period of up to 50 days. This means you can make purchases today and pay them off later without incurring any interest charges, as long as you settle your bill within the grace period. Additionally, you benefit from revolving credit, allowing you to manage your repayments over time.

  • Enjoy Renewal Fee Waiver: An annual fee can sometimes be a deterrent for credit card ownership. But with the HDFC Bank UPI Rupay Credit Card, you can avoid this charge altogether. Simply spend Rs. 25,000 or more in a year, and your renewal fee gets waived off!

  • Flexible Reward Redemption Options: The CashPoints you earn don't just sit idle. You have multiple ways to redeem them:

    • Adjust your credit card statement balance directly by converting points to rupees (at Rs. 0.25 per CashPoint).
    • Become a travel enthusiast? Redeem your points for flight and hotel bookings, covering up to 50% of the cost (with a monthly cap on points used).
    • Pamper yourself with products and vouchers from the SmartBuy Rewards Portal. You can even use points to cover up to 70% of the value of select products, paying the remaining amount with your credit card.

Getting Started is Easy:

  1. Ensure you have a Credit Card PIN set up for your existing HDFC Bank account (call their helpline if needed).
  2. Download and register on your preferred UPI app.
  3. Link your HDFC Bank UPI Rupay Credit Card using your Credit Card PIN within the UPI app.
  4. You're all set! Start making UPI payments and watch your CashPoints pile up.

Things to Remember:

  • This card is virtual, so you won't receive a physical card in the mail. However, you can access your card details conveniently through HDFC Bank's MyCards platform.
  • Remember, CashPoints have a validity of 2 years, so make sure to redeem them before they expire.

In conclusion, the HDFC Bank UPI Rupay Credit Card is a game-changer for those who value both convenience and rewards. It seamlessly integrates UPI's ease of use with the benefits of a credit card, making it an ideal choice for the modern spender.

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Location: Mumbai, Maharashtra, India

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