HomeCredit CardsPhonePe HDFC Bank Uno Credit Card
PhonePe HDFC Bank Uno Credit Card

HDFC Bank

PhonePe HDFC Bank Uno Credit Card

rupayclassiccreditshoppingutility billsUPI

Annual Fee

₹499

Base Reward

2% points

Foreign Markup

3.5%

4.5/5

Welcome Benefits

Get 50% of the Joining Fee Back as a PhonePe Gift Card on Your First RuPay Credit Card UPI Transaction, and the Remaining 50% as 10 Gift Cards on Continued UPI Spends

Product Highlights

  • Affordable price of ₹499
  • 2% Reward Points on PhonePe spends
  • 1% Reward Points on select online merchants

Category Rewards

shopping

1 RP/₹100

1 RP/₹100

utilities

2 RPs/₹100 on PhonePe

2 RPs/₹100 on PhonePe

Fee Waiver

Renewal Fee Waiver on Annual Spends of ₹1 Lakh or More

Merchant-Specific Rewards

1 pt ≈ ₹0.25–₹0.50
PhonePe

PhonePe

online(Capped at 500 Reward Points/month)

2 RPs/₹100
Amazon

Amazon

online(Capped at 500 Reward Points/month)

1 RP/₹100
Flipkart

Flipkart

online(Capped at 500 Reward Points/month)

1 RP/₹100
Myntra

Myntra

online(Capped at 500 Reward Points/month)

1 RP/₹100
Ajio

Ajio

online(Capped at 500 Reward Points/month)

1 RP/₹100
Uber

Uber

online(Capped at 500 Reward Points/month)

1 RP/₹100
Swiggy

Swiggy

online(Capped at 500 Reward Points/month)

1 RP/₹100
Zomato

Zomato

online(Capped at 500 Reward Points/month)

1 RP/₹100

Rewards Details

Earn 2 Reward Points for every ₹100 spent on Select PhonePe Spends like recharges, bill payments, movies, hotels, utilities, and more. Earn 1 Reward Point for every ₹100 spent on brands like Amazon, Flipkart, Myntra, Ajio, and more. Earn 1 Reward Point for every ₹100 on Scan & Pay UPI spends.

Reward Points — Redemption Value
  • 1 Reward Point = ₹1 (Redemption Against Statement). 1 Reward Point = ₹0.30 When Redeemed for Airmiles, Product Catalogue.

Benefits & Features

Domestic: N/A International: N/A N/A

Pros & Cons

Pros

  • Affordable annual fee of ₹499
  • Good rewards on PhonePe transactions

Cons

  • No lifestyle perks such as airport lounge access
  • Capped rewards on spending

Additional Info

Important: Reward Points capped at 500 per month for both PhonePe and other merchants.

Card does not offer any lifestyle benefits such as airport lounge access.

Joining fee can be effectively waived through PhonePe Gift Cards on UPI transactions.

Capped at 500 Reward Points each month for PhonePe spends and 500 Reward Points for other brands.

Excluded Categories

EMIFuelWallet LoadGift CardsCash AdvancesCredit Card Bill PaymentsGovernment PaymentsRental TransactionsEducation FeesInsuranceInvestmentsJewelry Purchases

Partner Merchants

AmazonFlipkartMyntraAjioUberSwiggyZomato

Fees & Charges

Annual Fee₹499
Joining Fee₹499 + GST
Fee WaiverRenewal Fee Waiver on Annual Spends of ₹1 Lakh or More
Foreign Markup3.5%
Interest Rate3.75% per month (45% annually)
Cash Advance2.5% or ₹500 (Whichever is Higher)

Eligibility

Networks

rupay
PhonePe HDFC Bank Uno Credit Card — Benefits, Rewards & Fees | Ri8Lane | Ri8Lane