PhonePe HDFC Bank Uno Credit Card
HDFC About This Card
The PhonePe HDFC Bank Uno Credit Card is an affordable entry-level RuPay card for digital-first users. Earn 2% on PhonePe spends and 1% on popular online brands, with UPI payment capability. At Rs 499 annual fee (waivable at Rs 1L), it's a solid starter card for young professionals.
Pros & Cons
Pros
- Low Rs 499 annual fee with Rs 1L waiver
- UPI-enabled RuPay card for digital payments
- Decent 2% rewards on PhonePe ecosystem
- Good entry-level card for young spenders
Cons
- No lounge access
- Reward points expire in 1 year
- RuPay limits international acceptance
- Reward rates lower than Ultimo variant
Fee Details
Reward Structure
Lounge Access
Key Highlights
- 2% rewards on select PhonePe spends (recharges, utilities, travel)
- 1% rewards on popular online brands (Amazon, Flipkart, Myntra, Swiggy, Zomato)
- RuPay CC on UPI enabled
- 1% fuel surcharge waiver (Rs 400-Rs 5,000 transactions)
- Joining fee partially refunded via PhonePe gift cards
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Active Offers (1)
All offers10% instant discount on Amazon
Get 10% instant discount up to Rs 1,500 on Amazon.in purchases over Rs 5,000. Valid on all HDFC credit cards.
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