HDFC

PhonePe HDFC Bank Uno Credit Card

Apply for PhonePe HDFC Bank Uno Credit Card and earn 2% Reward Points on bills, 1% on UPI Scan & Pay and top online brands, at ₹499 a year

ShoppingUtility BillsUPI
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Issued by

HDFC

PhonePe HDFC Bank Uno Credit Card image
Joining Fee₹499
Annual Fee₹499
Income₹25000
Credit Score720

Key Highlights

Utility Bills

Earn 2% Reward Points on Recharges and Bill Payments on PhonePe

capped at 500 Reward Points per calendar month

Earn 2% Reward Points on Recharges and Bill Payments on PhonePe

capped at 500 Reward Points per calendar month

UPI

Earn 1% Reward Points on Every UPI Scan & Pay

capped at 500 Reward Points per calendar month

Shopping

Earn 1% Reward Points on Amazon, Flipkart, Myntra, Ajio, Swiggy, Zomato and Uber

capped at 500 Reward Points per calendar month

Earn 1% Reward Points on Every UPI Scan & Pay

capped at 500 Reward Points per calendar month

Eligibility

Age Criteria21-65
Credit Score720
Salaried Income₹3 LPA
Self-employed Income₹3 LPA
Employment TypeSelf Employed, Salaried
New to CreditEligible

Fees & Waivers

Joining Fee₹499
Joining Fee Offset5 PhonePe scratch cards worth ₹100 each, one for each of your first 5 UPI on Credit Card transactions
Annual Fee₹499
Annual Fee WaiverThe annual fee is waived if you spend ₹1 lakh or more in a year on your card, as per bank policy
Estimated Annual Saving₹10000

Rewards & Redemption

Reward Conversion1 reward Point = ₹1
Redemption Options
  • Cashback
  • Flight & Hotel Bookings
  • Airmiles
Earning ExclusionsFuel, Rent, Insurance, Investments, Jewellery, Wallet Load, Gift Cards, EMI Transactions, Government Service, Education, Cash Advance, Credit Card Bill Payment
Spend ExclusionsFuel, Rent, Insurance, Investments, Jewellery, Wallet Load, Gift Cards, EMI Transactions, Government Service, Education, Cash Advance, Credit Card Bill Payment

Benefits

All Benefits

  • 2% Reward Points on select PhonePe categories covering recharges, utilities, bill payments and travel
  • 1% Reward Points on Amazon, Flipkart, Myntra, Ajio, Swiggy, Zomato and Uber
  • 1% Reward Points on all UPI Scan & Pay spends; each rate capped at 500 Reward Points per calendar month, up to 1,500 Reward Points a month in total 1 Reward Point worth ₹1 as cashback against the statement, capped at ₹7,500 per calendar month

Welcome Benefits

  • 5 PhonePe scratch cards worth ₹100 each, one for each of your first 5 UPI on Credit Card transactions

Flight Benefits

  • 2% Reward Points on flight and hotel bookings made in the PhonePe Travel & Stays category, capped at 500 Reward Points per calendar month

Cab Benefits

  • 1% Reward Points on Uber rides, capped at 500 Reward Points per calendar month across all select online brands

Fuel Surcharge Waiver Benefits

  • 1% fuel surcharge waiver on fuel transactions between ₹400 and ₹5,000, capped at ₹250 per statement cycle

Bank Offer

  • 1% Reward Points on Amazon, Flipkart, Myntra, Ajio, Swiggy, Zomato and Uber, capped at 500 Reward Points per calendar month
  • up to 50 days of interest-free credit from the date of purchase
  • zero lost card liability on fraudulent transactions reported immediately to HDFC Bank

Documents

PAN Card
Aadhaar Card or valid address proof
Latest salary slips or income proof
Recent bank statements

Terms

The bank may offer a different card variant based on your eligibility; please carefully review the features and benefits of the card offered before submitting your application
A minimum transaction of ₹100 within 30 days of card issuance is required to activate the card, failing which you will not be eligible for rewards
Apply Now