PhonePe HDFC Bank Uno Credit Card
Updated 3 Jul 2026Source-linked
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.
PhonePe HDFC Bank Uno Credit Card
- Joining Fee₹499
- Annual Fee₹499
- Best Suited ForCo-brand rewards
- Reward TypeReward Points (points)
Rewards Rate
- 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
Welcome Benefits
- PhonePe Gift card worth ₹249
- Additional scratch cards worth ₹25 each
Rewards and Benefits
Rewards Rate
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.
Reward Redemption
N/A
Welcome Benefits
PhonePe Gift card worth ₹249
Milestone Rewards
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
N/A
Fees & Charges
Spend-Based Waiver
₹1,00,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.75% per month (45.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹5,000, capped at ₹250 per statement.
Cash Advance Charges
N/A
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
Pros
- Annual fee waivable on ₹1,00,000 spend.
Cons
- 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 3 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.