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List of HDFC RuPay credit cards & max rewards points earn from UPI spend

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Abhishek012

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List of HDFC RuPay credit cards and max rewards points earn from UPI spend:

1) Will I earn any reward points for UPI spends using HDFC Bank RuPay Credit Card ?

Yes, UPI spends using Credit Card will earn reward points (Excluding categories as per Credit Card product features/Terms & Conditions).

Refer below table for detailed reward points structure on HDFC Bank RuPay Credit Cards -

Product NameReward points (RPs)
HDFC Bank Freedom Credit Card1 RP for every Rs.150 spent
HDFC Bank Indian Oil Credit Card1 RP for every Rs.150 spent
HDFC Bank RuPay Bharat Credit Card1 RP for every Rs.150 spent
HDFC Bank MoneyBack+ Credit Card2 RP for every Rs.150 spent
HDFC Bank Regalia First credit Card4 RP for every Rs.150 spent
HDFC Bank Regalia Credit Card4 RP for every Rs.150 spent
HDFC Bank IRCTC Credit Card1 CashPoint for every Rs.100 spent
HDFC Bank Shoppers Stop Credit Card2 First Citizen points for every Rs.150 spent
HDFC Bank Shoppers Stop Black Credit Card5 First Citizen points for every Rs.150 spent
Tata Neu Plus HDFC Bank Credit Card1% back as Neucoins
Tata Neu Infinity HDFC Bank Credit Card1.5% back as Neucoins
HDFC Bank Business MoneyBack2 RP for every Rs.150 spent
HDFC Bank Business Regalia Credit Card4 RP for every Rs.150 spent

2) Is there any capping on the reward points that can be earned on UPI spends through RuPay Credit Cards?

Maximum of 500 reward points can be earned in a calendar month on UPI spends through RuPay Credit Card.

Please Note - Already got 2000, 5000, 6000 or some people got 10,000 Neu coins on UPI spend. So, i dnt know HDFC will reverse the rewards or not. Because recently updated 500 rewards restriction by HDFC bank. Maybe this is only applicable for rewards points and not cashback or neu coins as these are not points.

3) Where can i see my HDFC Bank RuPay Credit card transactions happened through UPI platform?

HDFC Bank Credit card transactions through UPI platform can be viewed in HDFC Bank RuPay Credit card statements every month

4) Can I make my linked Credit Card as default account to receive funds?

Funds cannot be received on linked credit card on UPI.

5) What are the restricted merchant categories on which customer won’t be able to make payment using HDFC Bank RuPay Credit Card on UPI?

Categories – P2P, P2PM, digital account opening, lending platform, cash withdrawal at merchant, cash withdrawal at ATM, ERUPI, IPO, Foreign Inward Remittances, Mutual Funds and any other categories as restricted by HDFC Bank from time to time.

6) Can I link my Visa/Mastercard/Diners Credit Card on UPI?

Currently, only RuPay Credit Card can be linked on UPI.

7) What if I change my mobile number, how can I link my HDFC Bank RuPay Credit Card on UPI app?

If you have changed your mobile number, kindly update the same for your HDFC Bank RuPay Credit Card as well. Once updated, kindly re-register the credit card on UPI app.

8) How can I make payment to a retail offline merchant using HDFC Bank RuPay Credit Card on UPI?

Once you have added your HDFC Bank RuPay Credit Card to the UPI app, open UPI app on your mobile, click on ‘Scan’. QR scanner will open on UPI app, scan the QR, enter the amount, select HDFC Bank RuPay credit card from the drop-down menu, confirm the payment by entering UPI Pin. Payment confirmation will be displayed, once the payment is done.

9) How can I make payment to an e-commerce merchant using HDFC Bank RuPay Credit Card on UPI?

Payment can be made for e-commerce merchant either through an Intent request or collect request from the merchant. Select UPI app as payment mode at merchant website /app, login into UPI app, select HDFC Bank Credit Card from the drop-down menu, confirm the payment using UPI Pin. Payment confirmation will be displayed, once the payment is done, you will be routed back to the merchant page.

10) What are the prerequisites for linking HDFC Bank RuPay Credit Card on UPI Payment app?

HDFC Bank RuPay Credit Card PIN needs to be setup before linking Credit Card on UPI apps. HDFC Bank Credit Card PIN can be setup by calling 1860 266 0333

11) Is there any limit on the amount of transaction that can be carried out from linked Credit card on UPI?

Amount limit per card per day can be upto UPI limit (i.e, 1 lakh per day and 2 lakh for some special MCC codes i.e 5960, 6300 & 6529 (Excludes the restricted categories merchant in previous Question), however, it will be subject to the available credit limit on your credit card.
To note - Amount limit per day per card is Rs.5,000 for first 24 hrs of linking the card in UPI app.

12) Can I make payment to any person or other Credit Card using the linked Credit Card on UPI?

No, only payment to merchant (P2M) will be allowed from the linked Credit Card.


Step by Step Guide to Enable RuPay Credit card on UPI -

Welcome to the new world of ‘Credit + Convenience’ with HDFC Bank RuPay Credit Cards, enabled for UPI payments. Here’s a quick guide to assist you to start enjoying this added privilege on your Credit Cards. We request you to set your credit card PIN (If not already set) before starting this process. You can easily set your HDFC Bank Credit Card PIN by calling 1860 266 0333)

Currently, you can link your HDFC Bank RuPay Credit Card in select UPI apps only. (BHIM app, New payzapp app, Freecharge, Tata Neu app, Jupiter app, Paytm app, Mobikwik app etc)

How to link HDFC Bank RuPay Credit Card on BHIM app?
  • Download BHIM app from play store / App Store
  • Register your account with BHIM App for UPI Payments (if not already done)
  • Open BHIM App -> Enter Passcode -> Click on Bank account ->Add Account
  • Select Credit Card -> Select Credit Card Issuer Bank (HDFC Bank) -> Select your HDFC Bank Credit Card ->Confirm
  • Click to view accounts -> Select from available options
- Enter HDFC Bank RuPay Credit Card details

- Last 6 Digits & Expiry date

- Enter OTP

- Enter Credit Card PIN

- Set UPI PIN

For queries related to linking or usage of RuPay Credit Card on BHIM app, you can also connect to toll free number 18001201740

Make payment with HDFC Bank RuPay Credit Card on UPI -
  • Scan merchant UPI QR Code
  • Enter Amount & Select Credit Account
  • Select HDFC Bank RuPay Credit Card account followed by UPI PIN
  • View Transaction History
 
Last edited:
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Abhishek012 said:
List of HDFC RuPay credit cards and max rewards points earn from UPI spend:

1) Will I earn any reward points for UPI spends using HDFC Bank RuPay Credit Card ?

Yes, UPI spends using Credit Card will earn reward points (Excluding categories as per Credit Card product features/Terms & Conditions).

Refer below table for detailed reward points structure on HDFC Bank RuPay Credit Cards -

Product NameReward points (RPs)
HDFC Bank Freedom Credit Card1 RP for every Rs.150 spent
HDFC Bank Indian Oil Credit Card1 RP for every Rs.150 spent
HDFC Bank RuPay Bharat Credit Card1 RP for every Rs.150 spent
HDFC Bank MoneyBack+ Credit Card2 RP for every Rs.150 spent
HDFC Bank Regalia First credit Card4 RP for every Rs.150 spent
HDFC Bank Regalia Credit Card4 RP for every Rs.150 spent
HDFC Bank IRCTC Credit Card1 CashPoint for every Rs.100 spent
HDFC Bank Shoppers Stop Credit Card2 First Citizen points for every Rs.150 spent
HDFC Bank Shoppers Stop Black Credit Card5 First Citizen points for every Rs.150 spent
Tata Neu Plus HDFC Bank Credit Card1% back as Neucoins
Tata Neu Infinity HDFC Bank Credit Card1.5% back as Neucoins
HDFC Bank Business MoneyBack2 RP for every Rs.150 spent
HDFC Bank Business Regalia Credit Card4 RP for every Rs.150 spent

2) Is there any capping on the reward points that can be earned on UPI spends through RuPay Credit Cards?

Maximum of 500 reward points can be earned in a calendar month on UPI spends through RuPay Credit Card.

Please Note - Already got 2000, 5000, 6000 or some people got 10,000 Neu coins on UPI spend. So, i dnt know HDFC will reverse the rewards or not. Because recently updated 500 rewards restriction by HDFC bank. Maybe this is only applicable for rewards points and not cashback or neu coins as these are not points.

3) Where can i see my HDFC Bank RuPay Credit card transactions happened through UPI platform?

HDFC Bank Credit card transactions through UPI platform can be viewed in HDFC Bank RuPay Credit card statements every month

4) Can I make my linked Credit Card as default account to receive funds?

Funds cannot be received on linked credit card on UPI.

5) What are the restricted merchant categories on which customer won’t be able to make payment using HDFC Bank RuPay Credit Card on UPI?

Categories – P2P, P2PM, digital account opening, lending platform, cash withdrawal at merchant, cash withdrawal at ATM, ERUPI, IPO, Foreign Inward Remittances, Mutual Funds and any other categories as restricted by HDFC Bank from time to time.

6) Can I link my Visa/Mastercard/Diners Credit Card on UPI?

Currently, only RuPay Credit Card can be linked on UPI.

7) What if I change my mobile number, how can I link my HDFC Bank RuPay Credit Card on UPI app?

If you have changed your mobile number, kindly update the same for your HDFC Bank RuPay Credit Card as well. Once updated, kindly re-register the credit card on UPI app.

8) How can I make payment to a retail offline merchant using HDFC Bank RuPay Credit Card on UPI?

Once you have added your HDFC Bank RuPay Credit Card to the UPI app, open UPI app on your mobile, click on ‘Scan’. QR scanner will open on UPI app, scan the QR, enter the amount, select HDFC Bank RuPay credit card from the drop-down menu, confirm the payment by entering UPI Pin. Payment confirmation will be displayed, once the payment is done.

9) How can I make payment to an e-commerce merchant using HDFC Bank RuPay Credit Card on UPI?

Payment can be made for e-commerce merchant either through an Intent request or collect request from the merchant. Select UPI app as payment mode at merchant website /app, login into UPI app, select HDFC Bank Credit Card from the drop-down menu, confirm the payment using UPI Pin. Payment confirmation will be displayed, once the payment is done, you will be routed back to the merchant page.

10) What are the prerequisites for linking HDFC Bank RuPay Credit Card on UPI Payment app?

HDFC Bank RuPay Credit Card PIN needs to be setup before linking Credit Card on UPI apps. HDFC Bank Credit Card PIN can be setup by calling 1860 266 0333

11) Is there any limit on the amount of transaction that can be carried out from linked Credit card on UPI?

Amount limit per card per day can be upto UPI limit (i.e, 1 lakh per day and 2 lakh for some special MCC codes i.e 5960, 6300 & 6529 (Excludes the restricted categories merchant in previous Question), however, it will be subject to the available credit limit on your credit card.
To note - Amount limit per day per card is Rs.5,000 for first 24 hrs of linking the card in UPI app.

12) Can I make payment to any person or other Credit Card using the linked Credit Card on UPI?

No, only payment to merchant (P2M) will be allowed from the linked Credit Card.


Step by Step Guide to Enable RuPay Credit card on UPI -

Welcome to the new world of ‘Credit + Convenience’ with HDFC Bank RuPay Credit Cards, enabled for UPI payments. Here’s a quick guide to assist you to start enjoying this added privilege on your Credit Cards. We request you to set your credit card PIN (If not already set) before starting this process. You can easily set your HDFC Bank Credit Card PIN by calling 1860 266 0333)

Currently, you can link your HDFC Bank RuPay Credit Card in select UPI apps only. (BHIM app, New payzapp app, Freecharge, Tata Neu app, Jupiter app, Paytm app, Mobikwik app etc)

How to link HDFC Bank RuPay Credit Card on BHIM app?
  • Download BHIM app from play store / App Store
  • Register your account with BHIM App for UPI Payments (if not already done)
  • Open BHIM App -> Enter Passcode -> Click on Bank account ->Add Account
  • Select Credit Card -> Select Credit Card Issuer Bank (HDFC Bank) -> Select your HDFC Bank Credit Card ->Confirm
  • Click to view accounts -> Select from available options
- Enter HDFC Bank RuPay Credit Card details

- Last 6 Digits & Expiry date

- Enter OTP

- Enter Credit Card PIN

- Set UPI PIN

For queries related to linking or usage of RuPay Credit Card on BHIM app, you can also connect to toll free number 18001201740

Make payment with HDFC Bank RuPay Credit Card on UPI -
  • Scan merchant UPI QR Code
  • Enter Amount & Select Credit Account
  • Select HDFC Bank RuPay Credit Card account followed by UPI PIN
  • View Transaction History
Click to expand...
Very good compilation of FAQ.

Rather answering in every thread, you can link this thread for anyone to read.

Good initiative @Abhishek012 👏

@TechnoFino - Can we PIN this on top in the HDFC list please?
 
Upvote 0 Downvote
TheMentalist said:
New payzapp is Payzapp beta (invite only) or latest version of Payzapp?
Click to expand...
It is invite only

Both versions are different

New PayZapp's wallet card, UI and offers are absolutely different from old

I am using new PayZapp since three months and I earned good cashback by fund transfer, scan & pay and gift voucher purchase

* You can manage your HDFC Bank Debit Card in this app
 
Upvote 0 Downvote
TheMentalist said:
New payzapp is Payzapp beta (invite only) or latest version of Payzapp?
Click to expand...
It shows install available, why do you say Invite only?

play.google.com

PayZapp UPI, Pixel Credit Card - Apps on Google Play

UPI, Pixel Credit Card, Recharge, Electricity, Pay Bill, Money Transfer & Wallet
play.google.com play.google.com


This seems like the old one (Ltd to Limited name change in the Bank? 🤣 )

play.google.com

Payzapp - UPI & Bill Payments - Apps on Google Play

PayZapp - Online Payments App | UPI Money Transfer | Bill Pay | Recharge
play.google.com play.google.com
 
Upvote 0 Downvote
RajBlr said:
It shows install available, why do you say Invite only?

play.google.com

PayZapp UPI, Pixel Credit Card - Apps on Google Play

UPI, Pixel Credit Card, Recharge, Electricity, Pay Bill, Money Transfer & Wallet
play.google.com play.google.com


This seems like the old one (Ltd to Limited name change in the Bank? 🤣 )

play.google.com

Payzapp - UPI & Bill Payments - Apps on Google Play

PayZapp - Online Payments App | UPI Money Transfer | Bill Pay | Recharge
play.google.com play.google.com
Click to expand...
You can install the Beta one, but you won't be able to login. It will put you on a waitlist
 
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Bhagat Singh said:
thanks alot bro. finally signed up and everything is set. old app deactivated and new is working smoothly
Click to expand...
Good to see lot of new features as well in the new PayZap UI.

Few to highlight
  • Limits adjustment you can set on CC
  • Debit card is available
  • Full card details available is what someone posted, so you dont have to pull the card while shopping online
  • Smartbuy integrated and looks sleek
  • I heard earlier some small cash back offers were there for initial transactions, let's see if they come back.

Hopefully when they launch, all the existing bugs any gets fixed and will be more smoother 🙂
 
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Divyank gulabani said:
I have regalia first on Mastercard is it advisable to change that to Rupay platform and what can be other implications or consequences for changing my platform note my regalia first is LTF
Click to expand...
Advantage -

If your card is LTF then after conversion your Regalia RuPay remain LTF and reward points also transfer to new card.

You can link to UPI and get 4 RP for every Rs.150 spent and milestone benefit also count on UPI spend.

Note - currently everyone getting more than 500 reward points on UPI spend, no capping (can't say, any change in future).

You can also pay any other banks credit card bill via Amazon using RuPay credit card link UPI and get rewards/milestone benefit.

Disadvantage -

RuPay card is best for India and domestic transactions, I am not recommended for International transaction because very limit acceptance of Discover/Diners club network (but yes you can use as secondary card).

you will not get priority pass on RuPay Regalia variant.

techsearch said:
how to apply for regalia rupay ? i don't see that on hdfc site
Click to expand...
Call HDFC customer care and apply for RuPay conversion, if you already have Visa/mastercard Regalia variant.

Card pic -

FV-pHTnaQAEPS9h.jpg
 
Last edited:
Upvote 0 Downvote
Abhishek012 said:
Advantage -

If your card is LTF then after conversion your Regalia RuPay remain LTF and reward points also transfer to new card.

You can link to UPI and get 4 RP for every Rs.150 spent and milestone benefit also count on UPI spend.

Note - currently everyone getting more than 500 reward points on UPI spend, no capping (can't say, any change in future).

You can also pay any other banks credit card bill via Amazon using RuPay credit card link UPI and get rewards/milestone benefit.

Disadvantage -

RuPay card is best for India and domestic transactions, I am not recommended for International transaction because very limit acceptance of Discover/Diners club network (but yes you can use as secondary card).

you will not get priority pass on RuPay Regalia variant.


Call HDFC customer care and apply for RuPay conversion, if you already have Visa/mastercard Regalia variant.

Card pic -

View attachment 11701
Click to expand...
is it possible to convert diners millennia to rupay millennia?
 
Upvote 0 Downvote
Abhishek012 said:
Disadvantage -

RuPay card is best for India and domestic transactions, I am not recommended for International transaction because very limit acceptance of Discover/Diners club network (but yes you can use as secondary card).

you will not get priority pass on RuPay Regalia variant.
Click to expand...
I have Amex plat travel, axis vistara , sbi bpcl octane, IDFC first , diners privilege and several others so acceptance won’t be an issue

I have been specially holding this card for priority pass so what’s the alternative of priority pass do we get dream folks card ?

And with my list do you think I should worry about international lounge access ?
 
Upvote 0 Downvote
Divyank gulabani said:
I have Amex plat travel, axis vistara , sbi bpcl octane, IDFC first , diners privilege and several others so acceptance won’t be an issue

I have been specially holding this card for priority pass so what’s the alternative of priority pass do we get dream folks card ?

And with my list do you think I should worry about international lounge access ?
Click to expand...
RuPay Regalia work on Discover and Diners club network outside India.

You can access all Diners club International lounge using RuPay Regalia credit card.

Note - International lounge also not reliable on RuPay card. Most banks disabled International lounge access on RuPay cards.
 
Upvote 0 Downvote
Abhishek012 said:
RuPay Regalia work on Discover and Diners club network outside India.

You can access all Diners club International lounge using RuPay Regalia credit card.

Note - International lounge also not reliable on RuPay card. Most banks disabled International lounge access on RuPay cards.
Click to expand...
Can I use this card at Singapore airport for lounge access ? Bcoz mainly this card was bought for overseas lounge access !!
 
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