Fees read from issuer pageUpdated 2026-07-28
HDFC Bank
PhonePe HDFC Bank Uno Credit Card
₹499 a year
LinePersonal
Joining fee₹499
Annual fee₹499
Forex markupNot stated
Rewards, as stated by the issuer
- 2% Reward Points on Select PhonePe categories* (Recharges, Utilities, Bill Payments and Travel) - Capped at 500 reward points per calendar month
- 1% Reward Points on Select Online Brands – Amazon, Flipkart, Myntra, Ajio, Swiggy, Zomato, Uber (Capped at 500 Reward Points per calendar month
- 1% Reward Points on All Scan & Pay spends (Capped at 500 Reward Points per calendar month
- Reward points are posted once every month for eligible transactions settled in the previous calendar month. For example, reward points for eligible transactions settled between 1-Nov to 30-Nov (as per posting date), will be credited to the card account on or before 15th Dec
- 1 Reward Point is equivalent to Re.1 when redeemed as cashback against statement credit
- 1 Reward Point is equivalent to Re.0.3 of SmartBuy (Flights/Hotels, Airmiles & Product Catalogue
- The minimum Reward Point balance required for redemption against the statement balance is 500 Reward Points
- Unredeemed Reward Points will expire/lapse after 2 years from the date of accumulation
- Maximum cashback redemption of Rs 7,500 per calendar month
- Unredeemed Reward Points will expire/lapse after 2 years of accumulation
- If the cardholder opts for redemption as Cashback against statement, there will be no redemption fee levied
Other benefits
- Earn up to 1500 Reward Points per month on your everyday spends like utilities, bill payments, flights, hotels, online shopping brands, UPI Scan & Pay and much more
- Save 1% on fuel surcharge at fuel stations when you pay with your card
- 1% fuel surcharge waiver on fuel transactions. (Minimum transaction of ₹ 400 & maximum transaction of ₹ 5,000. Maximum cashback of ₹ 250 per statement cycle
- Interest-free Credit Period - Get up to 50 days of interest-free credit from the date of purchase. (subject to submission of the charge by the merchant
- Zero Cost Card Liability - Available on any fraudulent transactions made on your Credit Card if reported immediately to HDFC Bank’s 24-hour Call Centre
- for the Card Member Agreement - CMA Link
- Premium Credit Card
- Credit Card Limit
- Difference Between
- Credit Card & Debit Card
- Disclaimer - You are being redirected to a third-party website outside HDFC Bank's domain
Welcome & milestones
Welcome
- Get PhonePe Gift card ₹249 on your first Rupay CC on UPI transaction
- Additional Scratch cards worth ₹25 each on your next 10 Rupay CC on UPI transactions
- Disclaimer - Welcome benefits will be offered only to cardholders for whom Joining Fee is applicable
Milestones
None listed.
Lounge access
No airport lounge rule is listed on this card's page.
Eligibility
Age
- Salaried — Age: Minimum 21 years to maximum 60 years
- Self-employed — Age : Minimum 21 years to maximum 65 years
- Age: 21 to 65 years
- Annual Year Fee waived upon spending ₹1,00,000 in the previous year
Income
- Salaried — Income: Gross Monthly Income> ₹25,000
- Self-employed — Income: ₹26 lakh per annum
Employment
- Salaried
- Self-employed
Documents
- Identity Proof: Aadhaar card, Driving licence, Passport size photograph
- Address Proof: Utility bills (electricity, water, gas, or telephone, Rental agreement, Aadhaar card
- Income Proof: Salary slips (for salaried individuals, Income Tax Returns (ITR, Bank statements
Every fee line found on the page
- Save 1% on fuel surcharge at fuel stations when you pay with your card.
- 1% fuel surcharge waiver on fuel transactions. (Minimum transaction of ₹ 400 & maximum transaction of ₹ 5,000. Maximum cashback of ₹ 250 per statement cycle)
- Save up to ₹15,000 * annually
- Joining Fee: ₹499 + applicable taxes
- Annual Fee: ₹499 + applicable taxes
- Annual Year Fee waived upon spending ₹1,00,000 in the previous year.