I VIMAL SOLANKI

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...

Credit cards have become an essential part of our hashtag financial system . They provide us with the flexibility to make purchases, pay bills, and shop online, among other things. Credit cards are a convenient way to pay for purchases, and they offer several benefits, such as cash-back rewards, special discounts, and travel benefits. One of the significant advantages of credit cards is their ability to provide a line of credit, which can be helpful in emergencies or unexpected expenses. Credit cards can also help establish a good credit score when used responsibly. Additionally, credit cards are accepted worldwide, making them an ideal payment method when travelling abroad. Despite their various benefits, credit cards also have some disadvantages. High-interest rates, fees, and penalties can all add up quickly, making it difficult to pay off balances. Failure to make payments on time can negatively impact credit scores, and credit card debt can lead to financial difficulties. One of...