You can click here to learn how to activate your HDFC Bank UPI RuPay Credit Card. You must set up a PIN for your Credit Card before you link your RuPay Credit Card to a UPI app.

Only existing HDFC Bank customers can apply for HDFC Bank UPI RuPay credit cards.

The HDFC Bank UPI RuPay Credit Card is a virtual Credit Card. You can view the card details on HDFC Bank's MyCards, *Physical card issued on UPI RuPay BIZ credit card for running pilot program.

While you can use a UPI Credit Card like any other Credit Card, its most significant advantage is that you can use the card to make UPI payments; you can pay via your UPI Credit Card at the time of UPI payment. You can enjoy the new world of 'Credit + Convenience' with HDFC Bank UPI RuPay Credit Card, which is enabled for UPI payments. Once you link your HDFC Bank UPI RuPay Credit Card to UPI apps, you can earn reward points and the convenience of Scan and Pay.

With the HDFC Bank Digital UPI RuPay Credit Card, you can avail of 3% CashPoints on Groceries, SuperMarket & Dining spends, and all PayZapp transactions, 2% CashPoints on utility spend and 1% CashPoints on other spends*. The maximum CashPoints you can earn under each category per month is 500. You can check the detailed terms and conditions here.

A UPI Credit Card offers the perks of UPI and a Credit Card. Like UPI, you can make quick payments to a merchant UPI ID or scan a QR code to pay, and like a Credit Card, you can enjoy the benefit of buying now and paying later. To use the card, you must link it to a UPI app. When you make a payment via UPI, you can select your linked UPI Credit Card to pay. The transaction amount will be deducted from your card's credit limit and billed to you later.

Note that when a credit card is renewed, the card number, expiration date, and CVV also change. Hence, if your Credit Card is enabled for UPI and has been renewed, you must re-register the card in the UPI app.

The joining/annual fee for the HDFC Bank UPI RuPay Credit Card is ₹99 per annum.

Yes, it does. With the HDFC Bank Digital UPI RuPay Credit Card, you can receive a ₹250/- worth gift voucher for 1st transaction done within 37 days of activation. Voucher details will be shared within 90 days of 1st transaction month.

RuPay Cards are enabled for UPI payments. You can easily link your RuPay Credit Card with various payment apps and use it to transact though UPI.

To register for UPI, you need to set up your Credit Card PIN. Just dial 1860 266 0333.

Here is how you can link RuPay Card with UPI:

• Download and open your preferred UPI-enabled app, such as PayZapp.
• Register your HDFC Bank UPI RuPay Credit Card within the app.
• Once registered, you can start making UPI payments using your Credit Card.

Existing PayZapp Users

Follow these simple steps to link your RuPay Card with UPI:

1. Choose 'RuPay Credit Card' and then select your Credit Card issuer to seamlessly link your RuPay Credit Card.
2. Select 'UPI Accounts' and click on the '+ Add new' option.
3. Log in to your PayZapp account and navigate to the 'Accounts & Cards' section.

New PayZapp Users

Follow the provided steps to get started with PayZapp and start using your RuPay Card for UPI payments.

1. Download the PayZapp app from either the Google Play Store or the Apple App Store.
2. Complete the PayZapp registration process.
3. Head to ‘Accounts & Cards’ section and select '+ Add New’ option.
4. Select ‘RuPay Credit Card' to set up your UPI.
5. Choose the 'HDFC Bank Credit Card' to conveniently fetch and link your HDFC Bank RuPay Credit card.

You can update your new number on your HDFC Bank Digital UPI RuPay Credit Card profile. Once updated, you can re-link your card on UPI apps.

No, it is not. You need to generate a new UPI PIN to perform UPI payments.

To generate a UPI pin, follow these steps:

1. Profile
2. RuPay Credit Cards
3. Add RuPay Credit Card on UPI
4. Select Bank from the list
5. Card will auto display last four digits
6. Select card
7. Set 4-digit UPI pin
8. Confirm 4-digit UPI pin.

Note that as the user, it is your choice whether you wish to keep the Credit Card PIN and UPI PIN the same or not.

You can modify your UPI pin through the 'Change UPI Pin' option in your UPI apps.

To change your UPI PIN, follow the steps:

1. Profile
2. RuPay Credit Cards
3. Select Card
4. Forgot UPI
5. Input last six digits and expiry
6. Enter 6-digit OTP
7. Enter 4-digit ATM PIN
8. Set 4-digit UPI PIN
9. Confirm 4-digit UPI PIN.

Post-UPI PIN generation for your HDFC Bank Digital UPI RuPay Credit Card, you can transact up to ₹5,000/- for the first 24 hours. After 24 hours, the amount limit per card per day can be up to the UPI limit (i.e. ₹1 lakh per day). However, it will be subject to the available credit limit on your credit card.

The restricted categories include digital account openings, lending platforms, cash withdrawals at merchants or ATMs, e-RUPI, IPOs, Foreign Inward Remittances, Mutual Funds and any others specified by the National Payment Corporation of India (NPCI).

No, you cannot. Only merchant payments authorised by NPCI are permitted using a Digital UPI RuPay Credit Card. This way, revolving credit by transferring money to friends and relatives bank accounts can be eliminated. Any payment made to a UPI ID or QR code that belongs to an individual and not a merchant will fail or get denied. For instance, if an auto driver offers their personal and not business UPI QR code for payment, then you can't pay for your ride using the UPI Credit Card.