PhonePe HDFC Bank Uno Credit Card
The PhonePe HDFC Bank Uno Credit Card is a entry co-branded credit card from HDFC Bank and PhonePe, with a joining fee of ₹499 + GST.
It earns up to 2 pts per ₹100 (≈2.0% value) on PhonePe spends in the form of reward points (points).
Welcome benefit: PhonePe Gift card worth ₹249.
- Joining Fee₹499
- Annual Fee₹499
- Best Suited ForCo-brand rewards
- Reward TypeReward Points (points)
- 2 pts per ₹100 on phonepe select categories (cap 500 points / monthly)
- 1 pts per ₹100 on select online brands (cap 500 points / monthly)
- 1 pts per ₹100 on upi scan and pay (cap 500 points / monthly)
- Base 0.00% on other spends
- PhonePe Gift card worth ₹249
- Additional scratch cards worth ₹25 each
Rewards and Benefits
See the math — accelerations & caps
What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.
No accelerated categories apply to the spend you entered — everything earns the base rate.
Base-rate spend
Non-accelerated spend, summarized at this card's base rate.
- Online shopping₹15,000 · 0.0% = ₹0/mo
Online shopping — earns base; accelerated rate needs booking via amazon, flipkart, myntra, ajio, swiggy, zomato, uber
- Groceries₹8,000 · 0.0% = ₹0/mo
- Dining & food delivery₹8,000 · 0.0% = ₹0/mo
Dining & food delivery — earns base; accelerated rate needs booking via amazon, flipkart, myntra, ajio, swiggy, zomato, uber
- Fuel₹4,000 · 0.0% = ₹0/mo
- Travel & hotels₹10,000 · 0.0% = ₹0/mo
Travel & hotels — earns base; accelerated rate needs booking via phonepe-app
- Utilities & bills₹5,000 · 0.0% = ₹0/mo
Utilities & bills — earns base; accelerated rate needs booking via phonepe-app
₹0 rewards − ₹0 annual fee. Estimate for the spend you entered.
Fees & Charges
Product Details
- Co-branded entry card by HDFC Bank and PhonePe.
- Joining / annual fee of ₹499 + GST, waived on annual spends of ₹1,00,000.
- Available on the RuPay network.
Pros & Cons
- Annual fee waivable on ₹1,00,000 spend.
- Standard forex markup of 3.50% — suboptimal for international spend.
- No rewards on fuel spends.
- No complimentary airport lounge access.
₹249 welcome benefit
- PhonePe Gift card worth ₹249First RuPay CC on UPI transaction (only where Joining Fee is applicable)
- Additional scratch cards worth ₹25 eachNext 10 RuPay CC on UPI transactions
Accelerated rewards
- 2 pts per ₹100 on phonepe select categories (cap 500 points / monthly)Merchants: phonepe-recharges, phonepe-utilities, phonepe-bill-payments, phonepe-travel2% Reward Points on select PhonePe categories (Recharges, Utilities, Bill Payments, Travel). Capped at 500 reward points per calendar month. Rewards on PhonePe PINCODE valid until 5th Dec 2025.
- 1 pts per ₹100 on select online brands (cap 500 points / monthly)Merchants: amazon, flipkart, myntra, ajio, swiggy, zomato, uber1% Reward Points on select online brands (Amazon, Flipkart, Myntra, Ajio, Swiggy, Zomato, Uber). Capped at 500 reward points per calendar month.
- 1 pts per ₹100 on upi scan and pay (cap 500 points / monthly)1% Reward Points on all UPI Scan & Pay spends. Capped at 500 reward points per calendar month.
Exclusions
The following spend categories earn no rewards on this card:
- emi
- fuel
- wallet loads
- rent
- government
- insurance premiums
- education
- gift cards
- cash advance
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹400 and ₹5,000, capped at ₹250 per statement.
Sources
- : www.hdfc.bank.in · retrieved 3 Jul 2026
Last verified 5 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–65
- Credit score
- 700+
- Income (salaried)
- ₹3,00,000 p.a.
- Income (self-employed)
- ₹3,00,000 p.a.