This article provides a concise overview of the prominent features, eligibility prerequisites, and the application procedure for HDFC Bank’s UPI RuPay Biz Credit Card.
Features of HDFC Bank – UPI RuPay Biz Credit Card:
Main features:
- Earn 3% Cashpoints on Grocery, Supermarket, Dining spends, and PayZapp transactions, with a maximum of 500 Points per calendar month.
- Get 2% Cashpoints on Utility spends, also with a maximum earning limit of 500 Points in a calendar month.
- Get 1% Cashpoints on all other spends (excluding Rent, Wallet loads, EMI, Fuel & Education categories), up to a maximum of 500 Points in a calendar month.
Additional Features:
- Access up to a 50-day interest-free period on your HDFC Bank UPI Biz Credit Card from the date of purchase (pending charge submission by the Merchant).
- Benefit from Revolving Credit on your HDFC Bank UPI Biz Credit Card with a nominal interest rate.
- Waive off the renewal membership fee by spending ₹25,000 or more within an annual year.
- Redeem CashPoints earned on your HDFC Bank UPI Biz Credit Card against the statement balance at a rate of 1 CashPoint = ₹0.25. Redemption can be done via Net Banking login or physical redemption form.
- Use CashPoints for travel benefits like Flight & Hotel bookings and at the SmartBuy Rewards Portal. Credit Card members can redeem up to 50% of the booking value through CashPoints at a rate of 1 CashPoint = ₹0.25, with the remainder payable via the Credit Card. Explore more at the Rewards Catalogue.
- Effective from 1st January 2023, Reward points redemption for flights & hotel bookings is capped at 50,000 per calendar month.
- Starting from 1st February 2023, Reward points redemption for CashBack is limited to 50,000 reward points per calendar month.
- Starting from 1st February 2023, cardmembers can redeem up to 70% of the product/Voucher value through Reward points on select vouchers/products and pay the remaining amount via Credit card.
- To redeem against the statement balance, ensure a minimum CashPoints equivalent to ₹500.
- CashPoints earned on your HDFC Bank UPI Biz Credit Card are valid for 2 years from the transaction date.
Card Category: Reward Points
Fees for HDFC Bank – UPI RuPay Biz Credit Card:
- The joining or Renewal Membership Fee is Rs. 99/- plus taxes
- Customers Spending ₹25,000 or more in an annual year, before your Credit Card renewal date and get your renewal fee waived off from 2nd year onwards
How to apply?
Click here to apply for the HDFC Bank’s UPI RuPay Biz Credit Card.
Note: The information presented here is sourced from publicly available data. We cannot be held responsible for any inaccuracies in the details. For the most current and accurate information, please visit the official website of the respective bank.