PhonePe HDFC Bank Ultimo Credit Card on AJIO
Yes. The PhonePe HDFC Bank Ultimo Credit Card gives 5% back when you pay on AJIO directly, compared with 0% on its other spends.
On AJIO
5%
Other spends
0%
Rank for AJIO
#9 of 149
Annual fee
₹2,999 + Taxes
What to know before you pay on AJIO
Cap on AJIO
Max ₹500 a month (500 points on the online brands)
How it works
Only listed spends earn: 10% on PhonePe recharges, bills and travel, 5% at Amazon, Flipkart, Myntra, Ajio, Swiggy, Zomato and Uber, 1% on UPI scan and pay. Other card spends earn nothing. Points valued at ₹1 as statement credit (on request).
Caps & rules
- 10% reward points on select PhonePe categories (recharges, bills, travel), capped at 1,000 points a month.
- 5% on Amazon, Flipkart, Myntra, Ajio, Swiggy, Zomato and Uber, capped at 500 a month.
- 1% on UPI Scan & Pay.
- Points worth ₹1 as statement credit on request, less on the catalogue.
- ₹999 fee waived at ₹2 Lakh annual spend.
Reward limits
- 10% on PhonePe recharges, bills and travel: max 1,000 points per calendar month
- 5% on Amazon, Flipkart, Myntra, Ajio, Swiggy, Zomato, Uber: max 500 points per calendar month
No rewards on
All spends outside the listed categories earn no points; fuel
Checked 2026-10-11 · Bank terms
Cards that earn more on AJIO
-
#1
HSBC Live+ Credit Card
HSBC Bank · Free · Max ₹1,200 a month
10%
Apply now -
#2
Jupiter Edge+ RuPay Credit Card
CSB Bank · ₹499 + Taxes · Max ₹600 per statement cycle
10%
Apply now -
#3
6.67%
Apply now
Where else the PhonePe HDFC Bank Ultimo Credit Card earns more
Questions
Does the PhonePe HDFC Bank Ultimo Credit Card give rewards on AJIO?
Yes. The PhonePe HDFC Bank Ultimo Credit Card gives 5% back when you pay on AJIO directly, compared with 0% on its other spends.
Is there a limit on PhonePe HDFC Bank Ultimo Credit Card rewards?
10% reward points on select PhonePe categories (recharges, bills, travel), capped at 1,000 points a month. 5% on Amazon, Flipkart, Myntra, Ajio, Swiggy, Zomato and Uber, capped at 500 a month. 1% on UPI Scan & Pay. Points worth ₹1 as statement credit on request, less on the catalogue. ₹999 fee waived at ₹2 Lakh annual spend.
Which credit card is best for AJIO?
HSBC Live+ Credit Card gives the most on AJIO, 10% back. The PhonePe HDFC Bank Ultimo Credit Card ranks #9 of 149 cards we compared.