- Joining fee
₹499 + GST
- Annual fee
₹499 + GST
- Best suited for
Shopping, Utility Bills, UPI
- Reward type
Reward Points
Rewards
- Rewards rate
2 RPs/₹100 on Select PhonePe Spends Like Recharges, Bill Payments, Movies, Hotels, Utilities, and More. 1 RP/₹100 on Brands Like Amazon, Flipkart, Myntra, Ajio, and More. 1 RP/₹100 on Scan & Pay UPI Spends
- 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
- Reward redemption
1 Reward Point = ₹1 (Redemption Against Statement). 1 Reward Point = ₹0.30 When Redeemed for Airmiles, Product Catalogue or Smartbuy
Fees & charges
- Spend-based waiver
Renewal Fee Waiver on Annual Spends of ₹1 Lakh or More
- Rewards redemption fee
No Charges for Reward Point Redemption Against Statement
- Foreign currency markup
3.5%
- Interest rates
3.75% Monthly/45% Annually
- Fuel surcharge waiver
1% Waiver on Transactions Between ₹400 and ₹5,000 (Maximum ₹250 Each Statement Cycle)
- Cash advance charges
2.5% or ₹500 (Whichever is Higher)
Product highlights
- PhonePe HDFC Uno Credit Card is available on the RuPay network.
- Cardholders can earn 2% Rewards on bill payments, recharges, and more through PhonePe.
- Scan and Pay payments are eligible for 1% Reward Points.
- 1 Reward Point = ₹1.
Pros & cons
Pros
- This card comes at an affordable price of ₹499.
Cons
- There are no lifestyle perks, such as airport lounge access, offered with this card. This is primarily due to its low fees.
FAQs
Is the PhonePe HDFC Uno Credit Card lifetime free?
No, the card has a joining and renewal fee of ₹499 + GST. However, you can earn the joining fee back in the form of PhonePe Gift Cards, which are offered as a welcome benefit.
Can I use this card for UPI payments?
Yes, the PhonePe HDFC Uno Credit Card is issued on the RuPay network, making it eligible for UPI-based transactions. You also earn 1% rewards on Scan & Pay spends.
Is airport lounge access provided with this card?
No, the PhonePe HDFC Uno Credit Card does not offer airport lounge access, either domestic or international.