PhonePe HDFC Bank Uno Credit Card
Fees
₹499 + Taxes
Joining & annual
Reward Rate
2% Reward Points on PhonePe recharges, bills, travel & Pincode spends, capped 500 RP/month; 1% on select online platforms (Amazon, Flipkart, Swiggy); 1% on UPI Scan & Pay via RuPay
Welcome Bonus
₹500 PhonePe gift voucher on card activation
Lounge
No Lounge Access
Our Expert Take
The PhonePe HDFC Bank Uno Credit Card offers 5% cashback on PhonePe app transactions and 1.5% on online spends with annual fee of ₹499 + Taxes waived on ₹1 Lakh spend.
Reward limits
Checked 11 Oct 2026 · Bank terms
-
2% on PhonePe recharges, bills and travel
Max 500 points per calendar month
Reached after about ₹25,000 of spend
-
1% on Amazon, Flipkart, Myntra, Ajio, Swiggy, Zomato, Uber
Max 500 points per calendar month
Reached after about ₹50,000 of spend
-
1% on UPI Scan & Pay
Max 500 points per calendar month
Reached after about ₹50,000 of spend
Where this card earns most
Paying directly in the app or site · 0% on other spends
Pros & Cons
Key Advantages
- 2% Reward Points on PhonePe recharges, bills, travel & Pincode spends, capped at 500 RP/month
- 1% Reward Points on select online platforms like Amazon, Flipkart & Swiggy
- Affordable ₹499 annual fee with fee waiver on ₹1 Lakh spend
- 1% fuel surcharge waiver across all fuel stations
Limitations
- Cashback on PhonePe transactions capped per billing cycle
- No airport lounge access benefits included
- 1% Reward Points on UPI Scan & Pay via RuPay, no reward on other offline non-category spends
Key Perks & Spending Milestones
2% Reward Points on PhonePe recharges, bills, travel & Pincode spends, capped at 500 RP/month
1% Reward Points on select online platforms (Amazon, Flipkart, Swiggy)
1% Reward Points on UPI Scan & Pay via RuPay
1% fuel surcharge waiver on transactions between ₹400 and ₹5,000
Zero liability on lost card after prompt reporting
Spend milestone
Annual fee waived on retail spends of ₹1 Lakh in a membership year
Fees & Charges
Joining fee
₹499 + Taxes
Annual fee
₹499 + Taxes
Annual fee waived on ₹1 Lakh annual retail spends
Interest rate
3.6% per month (43.2% per annum)
Late payment fee
- Up to ₹500
- Nil
- ₹501 to ₹1,000
- ₹500
- ₹1,001 to ₹5,000
- ₹600
- ₹5,001 to ₹10,000
- ₹750
- ₹10,001 to ₹25,000
- ₹900
- ₹25,001 to ₹50,000
- ₹1,100
- Above ₹50,000
- ₹1,300
Insurance & Protection Benefits
air accident cover
Nil
lost card liability
Up to ₹50,000
purchase protection
Nil
emergency medical cover
Nil
Eligibility Criteria
salaried minimum income
₹15,000 per month
self employed ITR
₹6 Lakh per annum
age
21 to 60 years
Credit score & income
Good (720+)
Frequently Asked Questions
What's the actual reward rate on PhonePe HDFC Uno?
Does PhonePe HDFC Uno have lounge access?
How can the ₹499 annual fee be waived?
Compare PhonePe HDFC Bank Uno Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| PhonePe HDFC Bank Uno Credit Card This Card | ₹499 + Taxes | 2% Reward Points on PhonePe recharges, bills, travel & Pincode... | No Lounge Access | 4.2/5 |
| Cashback SBI Credit Card | ₹999 + Taxes | 5% cashback on online spends, capped ₹2,000/statement cycle; 1%... | No Lounge Access | 4.7/5 |
| KIWI UPI RuPay Credit Card | Free | Up to 5% cashback on UPI spends via Kiwi Neon program (1.5% base... | Domestic (Neon Spend Milestones) | 4.7/5 |
| Axis Bank ACE Credit Card | ₹499 + Taxes | 5% cashback on Google Pay utilities; 4% on Swiggy, Zomato & Ola;... | 4 Domestic/yr | 4.6/5 |