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INTRODUCTION

Introducing the HDFC Bank UPI RuPay Credit Card, a cutting-edge financial solution that seamlessly combines the convenience of UPI transactions with the perks of a credit card. This innovative offering provides users with a virtual card, effortlessly linkable to their UPI ID, empowering them to make both regular and UPI payments with unparalleled ease.

Unlocking a world of benefits, this credit card goes beyond the ordinary, rewarding users with up to 3?shback points on a spectrum of transactions, tailored to different spending categories. Whether you're swiping your card for everyday purchases or utilizing UPI for swift payments, the HDFC RuPay UPI Credit Card ensures that you're generously rewarded.

What sets this card apart is its versatility—link it not only to your UPI ID but also seamlessly integrate it with other UPI apps. This flexibility enhances your financial freedom, allowing you to manage transactions effortlessly across various platforms.

Step into a realm where convenience meets rewards, as the HDFC RuPay UPI Credit Card redefines the way you transact. Experience the future of banking with a card that not only simplifies your financial transactions but also maximizes your benefits.

 

Benefits and Features of HDFC Bank UPI RuPay Credit Card:

Dual Reward System:

Cardholders earn CashPoints on both regular transactions and UPI payments.

The rate of earning CashPoints on UPI transactions aligns with other regular spends.

Cashback Bonanza:

Enjoy 3?shPoints, up to 500 points per month, on PayZapp transactions, groceries, supermarket purchases, and dining spends.

Earn 2?shPoints, capped at 500 points monthly, on utility spends.

Avail 1?shPoints, up to 500 points per month, on other purchases (excluding rent, wallet loads, EMI, fuel, and government spends).

Each CashPoint is equivalent to Rs. 0.25, adding tangible value to your rewards.

Flexible Spending Categories:

Tailored cashback benefits across various spending categories, ensuring rewards align with your lifestyle.

Seamless UPI Integration:

Explore the convenience of linking your HDFC RuPay UPI Credit Card to multiple UPI apps.

Enhance your financial flexibility by seamlessly managing transactions across various platforms.

Virtual Card Convenience:

Issued as a virtual card, eliminating the need for a physical UPI RuPay card.

Access card details conveniently through the MyCards platform on HDFC Bank, ensuring secure and efficient management.

Monthly Limits for Cashback:

Enjoy the cashback benefits with defined monthly limits, ensuring you maximize rewards without exceeding thresholds.

Transparent Redemption:

Transparent and straightforward redemption process for converting CashPoints into tangible value, making it easy to enjoy the benefits.

Exclusive PayZapp Rewards:

Special emphasis on PayZapp transactions, providing an elevated cashback rate for users of this popular payment platform.

No Physical Card Issuance:

Embrace the digital age as the bank does not issue any physical UPI RuPay card for users, contributing to a greener and more streamlined financial ecosystem.

Suggested Reading:

Stay informed with suggestions on the best cashback credit cards in India, ensuring you make the most informed choices for your financial well-being.
 

Eligibility Criteria for HDFC Bank UPI RuPay Credit Card:

Age Requirement:

Primary cardholder:

Minimum age of 21 years.

Add-on cardholder:

Minimum age of 18 years.

Residency Status:

Resident Indian or Non-Resident Indian (NRI).

Employment Status:

Salaried or self-employed individuals.

Income Criteria:

Salaried individuals:

A minimum income requirement, varying based on location and other factors.

Self-employed individuals: Minimum income criteria may differ and depend on the nature of the business.

Credit Score:

A good credit score is often a key factor in the approval process.
 

Documents Needed for HDFC Bank UPI RuPay Credit Card:

Proof of Identity:

Aadhaar Card

Passport

Voter ID

PAN Card

Proof of Address:

Utility bills (electricity, water, gas)

Aadhaar Card

Passport

Rent Agreement (if applicable)

Proof of Income for Salaried Individuals:

Latest salary slips (usually for the last 3 months)

Form 16 or Income Tax Returns (ITR)

Proof of Income for Self-Employed Individuals:

Income Tax Returns (ITR) or Form 16A

Audited financial statements

Business continuity proof

Photographs:

Passport-sized photographs of the primary and add-on cardholders.

Bank Statements:

Latest bank statements for the last 3 to 6 months.

Employment Proof:

For salaried individuals, a letter from the employer or an employment certificate may be required.

Credit Score:

A copy of the credit report may be requested to assess creditworthiness.

Application Form:

Complete and duly signed credit card application form.

Additional Documents:

Depending on specific requirements, the bank may request additional documents to process the application.
 

How to open an HDFC Bank UPI RuPay Credit Card on the Fayda App

1. Install Fayda App From Playstore (use the link below)

https://play.google.com/store/apps/details?id=my.fayda.app&referrer=FY166506 

2. Go to the Credit Card category from offers or side bar and look for or search HDFC Bank UPI RuPay Credit Card

3. Enter a few details like full name, email, number, PAN and click on the button to proceed 

4. Fill in all the required details asked by HDFC Bank to open HDFC Bank UPI RuPay Credit Card

5. Follow the instructions given by HDFC Bank  and go your video KYC  if required 

6.  After the successful submission of your application to open HDFC Bank UPI RuPay Credit Card wait for few time to get your account activated.

Refer the video help guide here (link) 

 

Why choose Fayda To open an HDFC Bank UPI RuPay Credit Card

1. Cashback up to Rs.1000/- on opening HDFC Bank UPI RuPay Credit Card

2. Crypto coin rewards on every service availed 

3. Referral income of up to Rs.500/-

 

Why Choose Fayda App for HDFC Bank UPI RuPay Credit Card:

Blockchain-Based Loyalty Program:

Fayda App leverages blockchain technology for its loyalty program, ensuring transparency, security, and tamper-proof reward transactions.

Cryptocurrency Rewards:

Users are rewarded with crypto coins for every purchase made using the HDFC Bank UPI RuPay credit card through the Fayda App. This innovative reward system adds a digital dimension to traditional loyalty programs.

Referral Bonuses:

Fayda App encourages users to expand their network by referring others to the app. Users can earn crypto coins and other benefits for every successful referral, creating a dynamic and growing user community.

Integrated Financial Services:

Fayda App goes beyond just a loyalty program. Users can access a range of financial services directly from the app. This seamless integration enhances the overall user experience, providing a one-stop solution for both loyalty rewards and financial transactions.

Cashback on Financial Services:

Availing financial services through Fayda App's integrated platform comes with additional perks. Users receive cashback on every financial service they utilize, providing tangible and immediate benefits.

Holistic Rewards System:

Users enjoy a multifaceted rewards system, earning crypto coins, cashback, and referral income. This comprehensive approach ensures that users maximize their benefits across different aspects of their financial interactions.

User-Friendly Mobile Experience:

Fayda App offers a user-friendly mobile interface, allowing users to seamlessly manage their HDFC Bank UPI RuPay credit card transactions, loyalty rewards, and financial services all from their smartphones.

Network Building Opportunities:

The app's referral program not only rewards users but also creates opportunities for network building. Users can leverage their network to earn additional rewards, fostering a sense of community and shared benefits.

Innovative Digital Ecosystem:

By combining a blockchain-based loyalty program with traditional financial services, Fayda App creates an innovative digital ecosystem that aligns with the evolving preferences of modern consumers.

Enhanced Earning Potential:

Fayda App maximizes the earning potential for users. Whether through everyday transactions, referrals, or financial services, users can unlock a variety of rewards, making the HDFC Bank UPI RuPay credit card experience more financially rewarding.

 

FAQ

1. What is Fayda App?

Fayda App is a blockchain-based loyalty program that rewards users with crypto coins for their purchases. Users can also refer the app, build their network, and earn rewards directly from their smartphones.

 

2. How does the loyalty program work?

Users earn crypto coins for every purchase made using the HDFC Bank UPI RuPay credit card through the Fayda App. Additionally, users can refer others to the app and earn rewards from their referral network.

 

3. Can I access financial services through Fayda App?

Yes, Fayda App offers integrated financial services. Users can avail themselves of various financial services directly from the app, and on each service, they receive cashback, crypto coins, and referral income.

 

4. What benefits does the HDFC Bank UPI RuPay credit card offer on Fayda App transactions?

The credit card provides cashback benefits on PayZapp transactions, groceries, supermarket and dining spends, utility spends, and other purchases. Users can earn CashPoints, and 1 CashPoint is equivalent to Rs. 0.25.

 

5. How can I link my HDFC Bank UPI RuPay credit card to Fayda App?

Detailed instructions for linking your credit card to Fayda App can be found within the app or by contacting HDFC Bank customer support.

 

6. Is there a limit on the cashback and crypto coins I can earn?

Yes, there are monthly limits for cashback benefits on different spending categories. Users can earn up to 500 points per month in each category.

 

7. Can I redeem my crypto coins for real-world rewards?

Fayda App may offer redemption options for crypto coins, allowing users to convert them into tangible rewards. Check the app for specific redemption details.

 

8. Are there any fees associated with the HDFC Bank UPI RuPay credit card on Fayda App?

Details regarding fees, charges, and terms of use for the credit card can be obtained from HDFC Bank. Fayda App may also provide information on any app-specific fees.

 

9. How secure is the blockchain technology used by Fayda App?

Blockchain is known for its security features. Fayda App leverages blockchain to ensure transparent and secure transactions for its loyalty program.

 

10. Can I use the virtual HDFC Bank UPI RuPay credit card on Fayda App for online transactions?

Yes, the virtual card issued by HDFC Bank can be used for online transactions through Fayda App, offering a secure and convenient way to make digital payments.