HDFC Bank UPI RuPay Biz Credit Card

HDFC Bank UPI RuPay Biz Credit Card Features and Benefits

There are many features and benefits which you can avail of with the help of HDFC Bank UPI RuPay Biz Credit Card. These benefits are –

Milestone Benefit

• The annual fee will be waived at the minimum spend of Rs. 25,000 in the last annual year.

Rewards

• 3% Cashpoints on groceries, Super Market, and Dining expenses
• 2% cash points on all the Utility spends.
• 1% Cashpoints on every other spend.
• The maximum of 500 points can be earned in a calendar month with each category.

Reward Redemption

• Rewards can be redeemed against the statement balance at 1 Cashpoint = Rs. 0.25 rate.
• CashPoints can also be redeemed against travel benefits like flights and hotel bookings. You can redeem up to 50% of the booking through CashPoints at the value of Rs. 0.25 per Cashpoint.
• The rewards can also be redeemed against a reward catalog at the SmartBuy rewards portal.
• The rewards can be redeemed against every CashPoint at the rate of Rs. 0.25.

Other Benefits

• 1% fuel surcharge waiver on all the fuel transactions
• There is an interest-free period of 50 days.

HDFC Bank UPI RuPay Biz Credit Card Fees and Charges

• The Joining and annual fee of this credit card is Rs. 250 plus applicable taxes.
• The interest rates applied with this credit card is 3.60% on a monthly basis and 43.20% on an annual basis.
• The Forex charges of 3.5% on the transacted amount are charges with this credit card.
• The cash advance charges of 2.5% or Rs. 500 are charged, whichever is higher.
• There is no added-on card fee with this credit card.
• Some categories and exempted from these rewards which are Fuel, rent payments, EMI Spends, Education related transactions, wallet, Gift , Prepaid cards, vouchers, etc.

Documents Required to apply for HDFC Bank UPI RuPay Biz Credit Card

There are a few documents mandatory to apply for the HDFC Bank UPI RuPay Biz Credit Card which are mentioned below –

• Identity Proof – ID proofs such as Aadhaar Card, Voters ID Card, Pan Card, etc.
• Address Proof – Aadhaar Card, Last Months Electricity Bill, Water Bill, Passport, etc.
• Income Proof – Such as Salary Slips, and ITRs.
• Additional Documents such as driving license, business registration certificate, etc.

Conclusion

The HDFC Bank UPI RuPay Biz Credit Card is one of the most trusted business credit cards. This credit card by HDFC provides you with the best features and benefits such as cashpoints on your every single purchase. The accumulated reward points can be redeemed against a variety of options present in the website Catalogue. Not only that but you can also redeem the cashpoints against your monthly bill statement. These cashpoints can also be redeemed against flight bookings and hotel bookings.

The added benefit of fuel surcharge waiver, 50 days interest free period and spend based waiver are also there which makes this credit cards very much desirable. There are many other Business credit cards present in the market by HDFC which are quite a competition to the HDFC Bank UPI RuPay Biz Credit Card.