HDFC Bank
Classic · PhonePe Uno
PhonePe HDFC Uno Credit Card
HDFC Bank
Affordable UPI credit card for everyday PhonePe users
Annual Fee
₹499
Joining Fee
₹499
Reward Rate
0.3%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹2,911
Total Annual Benefits
₹3,500
Total Annual Charges
₹589
ROI
495%
Fee Waiver Available
Annual fee waived on spending ₹1 Lakh in the preceding year — ₹1,00,000 annual spend
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Benefit breakdown data not available
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Utility Payments (1)
PhonePe Reward Points
2 Reward Points per ₹100 on PhonePe transactions including bill payments, recharges, and merchant payments
- • Valid on PhonePe app transactions
2 RP per ₹100
Reward Points (2)
All Other Spends
1 Reward Point per ₹100 on all other retail purchases
1 RP per ₹100
UPI Rewards
1 Reward Point per ₹100 on all UPI transactions
- • RuPay UPI linked transactions
1 RP per ₹100
Reward Program
Program
HDFC Reward Points
2 RP/₹100 PhonePe, 1 RP/₹100 other
Effective cashback: 0.35%
Points expire: 2 years from date of accrual
Redemption Options
- → Flights & Hotels via SmartBuy (1 RP = ₹0.50)
- → Products & Vouchers (1 RP = up to ₹0.35)
- → Cashback (1 RP = ₹0.20)
Bonus Categories
PhonePe
2x multiplier
2 RP per ₹100 on PhonePe
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹499 Excluding GST |
| Annual Fee | ₹499 Excluding GST |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.75%
- Late Payment Fee
- ₹1,300
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹250
- Other Bank Withdrawal
- ₹250
- Intl. Withdrawal Fee
- 2.5% + ₹250
Eligibility
Requirements
- Min. Monthly Income
- ₹20,000
- Min. Annual Income
- ₹2,40,000
- Min. Credit Score
- 650
- Age Range
- 21 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Gross Monthly Income > ₹20,000
- • Self-Employed: ITR > ₹2.4 Lakh p.a.
Transaction Limits
ATM Withdrawal / Day
₹20,000
POS & E-Commerce / Day
₹1,50,000
Contactless / Txn
₹5,000
Features
RuPay UPI linked credit card Contactless payments EMV chip security Add-on cards available EMI conversion facility PhonePe app integration Instant UPI credit activation
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12 months
Processing Fee
1%
Ready to Apply?
The PhonePe HDFC Uno Credit Card is an entry-level RuPay credit card for UPI-linked payments. It offers 2 Reward Points per ₹100 on PhonePe transactio...
More from HDFC Bank
HDFC Bank
Visa
HDFC Bank Business Regalia Credit Card
HDFC Bank
₹5,000/yr₹50,000/yr value
Reward PointsFuel Surcharge Waive...
HDFC Bank
Visa
HDFC Bank Corporate Credit Card
HDFC Bank
₹5,000/yr₹50,000/yr value
Reward PointsFuel Surcharge Waive...
HDFC Bank
DinersClub
HDFC Diners Club Black Metal Edition Credit Card
HDFC Bank
₹10,000/yr₹1,50,000/yr value
Unlimited Domestic &...Complimentary Member...Complimentary Golf G...
HDFC Bank
DinersClub
HDFC Diners Club Privilege Credit Card
HDFC Bank
₹2,500/yr₹30,000/yr value
Domestic Lounge Acce...International Lounge...5X Dining Rewards