PhonePe HDFC Bank Uno Credit Card
Rs 499Annual fee
Rs 1,00,000Fee waiver spend
0Domestic lounge
3.5%Forex markup
Best for
phonepe, upi, utilities, online shopping
Top rewards
Select PhonePe transactions (recharges, utilities, bill payments, and travel): 2 Reward Points / Rs 100 spent; Select online platforms (Amazon, Flipkart, Myntra, Ajio, Swiggy, Zomato, and Uber): 1 Reward Point / Rs 100 spent; UPI Scan & Pay transactions: 1 Reward Point / Rs 100 spent
PhonePe HDFC Bank Ultimo Credit Card
Rs 999Annual fee
Rs 2,00,000Fee waiver spend
8Domestic lounge
Domestic lounge conditions
- 2 complimentary domestic lounge access visits per quarter on spending Rs 75,000 or more in the previous calendar quarter
3.5%Forex markup
Best for
phonepe, upi, utilities, online shopping, lounge
Top rewards
Select PhonePe transactions (recharges, utilities, bill payments, and travel): 10 Reward Points / Rs 100 spent; Select online brands (Amazon, Flipkart, Myntra, Ajio, Swiggy, Zomato, and Uber): 5 Reward Points / Rs 100 spent; UPI Scan & Pay transactions: 1 Reward Point / Rs 100 spent
| Feature | PhonePe HDFC Bank Uno Credit Card | PhonePe HDFC Bank Ultimo Credit Card |
|---|---|---|
| Issuer | HDFC Bank | HDFC Bank |
| Network | RuPay | RuPay |
| Joining fee | Rs 499 | Rs 999 |
| Annual fee | Rs 499 | Rs 999 |
| Fee waiver spend | Rs 1,00,000 | Rs 2,00,000 |
| Reward type | reward points | reward points |
| Best for | phonepe, upi, utilities, online shopping | phonepe, upi, utilities, online shopping, lounge |
| Top reward categories | Select PhonePe transactions (recharges, utilities, bill payments, and travel): 2 Reward Points / Rs 100 spent; Select online platforms (Amazon, Flipkart, Myntra, Ajio, Swiggy, Zomato, and Uber): 1 Reward Point / Rs 100 spent; UPI Scan & Pay transactions: 1 Reward Point / Rs 100 spent | Select PhonePe transactions (recharges, utilities, bill payments, and travel): 10 Reward Points / Rs 100 spent; Select online brands (Amazon, Flipkart, Myntra, Ajio, Swiggy, Zomato, and Uber): 5 Reward Points / Rs 100 spent; UPI Scan & Pay transactions: 1 Reward Point / Rs 100 spent |
| SmartBuy / accelerated caps | Not listed | Not listed |
| Domestic lounge | 0 | 8 |
| International lounge | 0 | 0 |
| Forex markup | 3.5% | 3.5% |
| Milestone benefits | Not listed | Not listed |
| Redemption | Statement credit: upto Rs 1 per point | Statement credit: upto Rs 1 per point |
| Key exclusions | Fuel transactions, Wallet loading transactions, Rent payments, Government related transactions, EMI transactions (including post-facto EMI conversions), Education payments | Fuel transactions, Wallet loading transactions, Rent payments, Government related transactions, EMI transactions (including post-facto EMI conversions), Education payments |