PhonePe 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 / ₹100 spent; Select Online Platforms (Amazon, Flipkart, Myntra, Ajio, Swiggy, Zomato, And Uber): 1 Reward Point / ₹100 spent; UPI Scan & Pay Transactions: 1 Reward Point / ₹100 spent
PhonePe SELECT BLACK Credit Card
Rs 1,499Annual fee
Rs 3,00,000Fee waiver spend
4Domestic lounge
Domestic lounge conditions
- 4 complimentary domestic lounge visits every year, capped at 1 visit per quarter.
- Complimentary Priority Pass membership is provided for the first 2 card membership years; lounge visits beyond any complimentary allowance are charged at the programme's prevailing rate.
3.5%Forex markup
Best for
Phonepe, Online Shopping, UPI, Lounge
Top rewards
Eligible PhonePe Spends: 10 Reward Points / ₹100; Eligible Online Spends: 5 Reward Points / ₹100; Scan & Pay Using PhonePe: 1 Reward Point / ₹100
| Feature | PhonePe Uno Credit Card | PhonePe SELECT BLACK Credit Card |
|---|---|---|
| Issuer | HDFC Bank | SBI Card |
| Network | RuPay | Visa, RuPay |
| Joining fee | Rs 499 | Rs 1,499 |
| Annual fee | Rs 499 | Rs 1,499 |
| Fee waiver spend | Rs 1,00,000 | Rs 3,00,000 |
| Reward type | Cashback And Reward Points | Cashback And Reward Points |
| Best for | Phonepe, UPI, Utilities, Online Shopping | Phonepe, Online Shopping, UPI, Lounge |
| Top reward categories | Select PhonePe Transactions (recharges, Utilities, Bill Payments, And Travel): 2 Reward Points / ₹100 spent; Select Online Platforms (Amazon, Flipkart, Myntra, Ajio, Swiggy, Zomato, And Uber): 1 Reward Point / ₹100 spent; UPI Scan & Pay Transactions: 1 Reward Point / ₹100 spent | Eligible PhonePe Spends: 10 Reward Points / ₹100; Eligible Online Spends: 5 Reward Points / ₹100; Scan & Pay Using PhonePe: 1 Reward Point / ₹100 |
| SmartBuy / accelerated caps | Not Listed | Not Listed |
| Domestic lounge | 0 | 4 |
| International lounge | 0 | 0 |
| Forex markup | 3.5% | 3.5% |
| Milestone benefits | Not Listed | Yatra e-Voucher worth ₹5,000 on annual spends of ₹5 lakh |
| Redemption | Statement credit: upto ₹ 1 per point | Statement credit: upto ₹ 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, wallet loading, rent, property management, school and education services, government services |