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I am in HDFC bank’s preferred banking program. I currently have Millenia credit card with credit limit of 1 lac. I wanted to upgrade my card to regalia with LTF but the RM said it won’t be possible until a spend based offer comes for me as my income level is below the minimum income for regalia...

We can now use HDFC bank's rupay credit card on BHIM UPI app for making upi payments using credit card.

Any charges for credit card bill payment by cash for preferred customers