CardIntel Canonical Product Family
PhonePe HDFC Bank Credit Cards
UPI-first rewards credit cards powered by HDFC Bank and PhonePe.
The PhonePe HDFC Bank credit card product family brings seamless scan-and-pay UPI transactions, accelerated rewards across the PhonePe ecosystem, and tiered benefits through the Uno and Ultimo variants.
CardIntel Canonical Architecture Note: All PhonePe HDFC Bank credit cards are legally issued and underwritten by HDFC Bank Limited. Benefits and tiers are distinct across Uno and Ultimo variants.
2 Product Tier Variants
Jump to Full Variant Comparison
HDFC Bank PhonePe Uno Credit Card
Official credit card issued by HDFC Bank. Verified against official MITC filings.
Annual Fee
₹499
Forex Markup
3.50%
Network
Visa
Rewards
Reward Points
HDFC Bank PhonePe Ultimo Credit Card
Premium co-branded digital RuPay credit card offering up to 5% PhonePe wallet cashback across utilities and food.
Annual Fee
₹999
Forex Markup
3.50%
Network
RuPay
Rewards
Reward Points
Full Deterministic Variant Comparison
Compare PhonePe HDFC Bank Series Variants & Specifications
Full specification comparison across fees, reward return schedules, airport lounge access, UPI support, and eligibility criteria.
| Specification / Metric | HDFC Bank PhonePe Uno Credit Card | HDFC PhonePe Ultimo |
|---|---|---|
| 1. Product Identity & Network | ||
| Official Product Name | HDFC Bank PhonePe Uno Credit Card | HDFC Bank PhonePe Ultimo Credit Card |
| Legal Card Issuer | HDFC Bank(BANK) | HDFC Bank(BANK) |
| Payment Network | Visa | RuPay |
| Form Factor | Physical + Virtual | Physical + Virtual |
| 2. Fees & Spend Waivers | ||
| Joining Fee | ₹499 + GST | ₹999 + GST |
| Annual Renewal Fee | ₹499 + GST | ₹999 + GST |
| Renewal Waiver Rule | Annual renewal fee waived on annual retail spending of ₹1,00,000 or more. | Annual renewal fee of ₹999 waived on spending ₹2,00,000 or more in the preceding anniversary year. |
| 3. Rewards & Cashback Return | ||
| Reward Currency | Reward Points | Reward Points |
| Base Reward Rate | 1-2% return on retail spends | 1-2% return on retail spends |
| Accelerated Multipliers | Partner merchant tier benefits apply | Partner merchant tier benefits apply |
| Monthly Reward Capping | Subject to standard category fair-use caps | Subject to standard category fair-use caps |
| 4. Travel, Lounge & Forex | ||
| Forex Markup Fee | 3.50% | 3.50% |
| Domestic Lounge Access | None | 8 visits/yr |
| International Lounge | Priority Pass standard rates apply | Priority Pass standard rates apply |
| 5. UPI Payments & Utilities | ||
| RuPay UPI QR Support | Not Available (POS/Online) | Supported (Scan & Pay) |
| Fuel Surcharge Waiver | 1% waiver (spends ₹400 – ₹5,000) | 1% waiver (spends ₹400 – ₹5,000) |
| 6. Eligibility & Underwriting | ||
| Minimum Monthly Income | ₹25,000 to ₹50,000/month | ₹25,000 to ₹50,000/month |
| Recommended CIBIL Score | 720+ | 720+ |
| Card Terms & Review | Full Card Specs | Full Card Specs |
100% verified against official banking MITC filings and partner regulatory schedules.
Independent CardIntel Scoring & MITC Governance Active