HDFC Bank UPI RuPay Biz Credit Card

Welcome Offer

Not Applicable

Rewards Rate

3% Cashpoints on Groceries, SuperMarket, Dining, PayZapp (max 500/month); 2% on Utility (max 500/month); 1% on other spends (max 500/month).

Reward Type

Cashpoints

Reward Redemption

1 CashPoint = ₹0.25. Redeem against statement balance, for travel bookings (flights/hotels up to 50% value), or on Rewards Catalogue (up to 70% product/voucher value). Points valid for 2 years.

Domestic Lounge Access

Not Applicable

International Lounge Access

Not Applicable

Premium Benefits

Not Applicable

Insurance Coverage

Not Applicable

Movie

Not Applicable

Dining

Earn 3% Cashpoints on dining expenses.

Travel Benefits

Cashpoints can be redeemed against flight and hotel bookings on SmartBuy Rewards Portal. Up to 50% of booking value can be redeemed with points.