PhonePe HDFC Bank Uno Credit Card
Fees
₹499 + Taxes
Joining & AnnualReward Rate
5% cashback on PhonePe app payments; 1.5% on online spends
Welcome Bonus
₹500 PhonePe gift voucher on card activation
Lounge Access
No Lounge Access
FindMyCard 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.
Pros & Cons
Key Advantages
- 5% cashback on PhonePe bill payments, recharges, and in-app transactions
- 1.5% cashback on general online shopping
- 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
- 0.5% cashback on offline non-category retail spends
Editorial Verdict
The PhonePe HDFC Bank Uno Credit Card is ideally suited for everyday phonepe users & budget digital shoppers. If you want 5% cashback on phonepe app payments; 1.5% on online spends, this card delivers real value. The ₹499 + taxes is easily offset by the card's perks if you use it regularly. You'll generally need Good (720+) credit to be approved.
Key Perks & Spending Milestones
5% cashback on PhonePe app for utility bills, mobile recharges, and merchant payments (max ₹500/month)
1.5% cashback on all other online merchant transactions
0.5% cashback on offline retail purchases
1% fuel surcharge waiver on transactions between ₹400 and ₹5,000
Zero liability on lost card after prompt reporting
🚀 Milestone Spends Timeline
Annual fee waived on retail spends of ₹1 Lakh in a membership year
Fees & Charging Rates
Annual Fee Waivers
₹499 + Taxes
💡 Annual fee waived on ₹1 Lakh annual retail spends
Regular Interest Charges
3.6% per month (43.2% per annum)
📅 Late Payment Fee Penalty Tiers
| Outstanding Balance Amount | Late Payment Fee Penalty |
|---|---|
| up to 500 | Nil |
| 501 to 1000 | ₹500 |
| 1001 to 5000 | ₹600 |
| 5001 to 10000 | ₹750 |
| 10001 to 25000 | ₹900 |
| 25001 to 50000 | ₹1,100 |
| above 50000 | ₹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
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 | 5% cashback on PhonePe app payments; 1.5% on online spends | No Lounge Access | 4.2/5 |
| Cashback SBI Credit Card | ₹999 + Taxes | 5% cashback on online spends; 1% cashback on offline spends | 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 |