Is there anyone here at finanjo community using HDFC payZapp rupay CC.Please share your experience here.
A virtual-only RuPay credit card issued by HDFC Bank for UPI-based transactions via PayZapp, PhonePe, Google Pay, etc.
Linked to your existing HDFC credit card limit
Can be used only for merchant (P2M) UPI transactions
Not valid for ATM withdrawals or P2P money transfers
Works well for everyday digital payments
| Charge Type | Details |
|---|---|
| Joining Fee | ₹99 + GST |
| Annual Fee | ₹99 (waived if ₹25,000 annual spend) |
| Add-on Fee | ₹0 (since it’s a virtual-only card) |
| Reward Redemption Fee | ₹99 per redemption request |
Rewards Structure
| Spend Type | Reward Rate (CashPoints) | Monthly Cap |
|---|---|---|
| Grocery, dining, PayZapp | 3% (12 points per ₹150) | 500 points |
| Utility payments | 2% (8 points per ₹150) | 500 points |
| All other spends | 1% (4 points per ₹150) | 500 points |
Final Verdict
The HDFC PayZapp RuPay Credit Card is a simple, entry-level UPI credit card that works well for light monthly spenders using PayZapp or similar platforms.
If you’re looking for physical usage, cashback benefits, or higher reward caps, this may feel limiting. It’s a good add-on if you’re already within HDFC’s ecosystem, but not something you’d pick as your primary credit tool.
—A virtual-only RuPay credit card issued by HDFC Bank for UPI-based transactions via PayZapp, PhonePe, Google Pay, etc.
Linked to your existing HDFC credit card limit
Can be used only for merchant (P2M) UPI transactions
Not valid for ATM withdrawals or P2P money transfers
Works well for everyday digital payments
| Charge Type | Details |
|---|---|
| Joining Fee | ₹99 + GST |
| Annual Fee | ₹99 (waived if ₹25,000 annual spend) |
| Add-on Fee | ₹0 (since it’s a virtual-only card) |
| Reward Redemption Fee | ₹99 per redemption request |
Rewards Structure
| Spend Type | Reward Rate (CashPoints) | Monthly Cap |
|---|---|---|
| Grocery, dining, PayZapp | 3% (12 points per ₹150) | 500 points |
| Utility payments | 2% (8 points per ₹150) | 500 points |
| All other spends | 1% (4 points per ₹150) | 500 points |
Final Verdict
The HDFC PayZapp RuPay Credit Card is a simple, entry-level UPI credit card that works well for light monthly spenders using PayZapp or similar platforms.
If you’re looking for physical usage, cashback benefits, or higher reward caps, this may feel limiting. It’s a good add-on if you’re already within HDFC’s ecosystem, but not something you’d pick as your primary credit tool.