Best UPI credit card 2025.HDFC UPI RuPay credit card benefits.

HDFC Bank UPI RuPay Credit Card — Reinventing Credit + UPI in India Looking for a card that blends the instant convenience of UPI with the spending power of a credit card? The HDFC Bank UPI RuPay Credit Card is one of the first virtual credit cards in India that lets you transact via UPI and earn rewards as you spend. Below, we break down everything you need to know — benefits, drawbacks, terms, how to apply, and whether it’s a fit for you in 2025. What Is the HDFC UPI RuPay Credit Card? It’s a virtual (digital only) credit card tied to your existing HDFC Bank credit card; it works in parallel with your physical card — same credit limit, shared with your main card. Once linked in a UPI app (Google Pay, PhonePe, BHIM, PayZapp, etc.), you can choose the card as the payment source for UPI transactions (QR, merchant UPI, intent flows). You earn reward points (“CashPoints”) on UPI payments just like a regular credit card. Since it’s virtual, there is no physical card (and hen...