HDFC Bank PhonePe Uno Credit Card
About HDFC Bank PhonePe Uno Credit Card
The PhonePe HDFC Bank UNO Credit Card is a well-balanced entry-level card for users looking to maximize value on everyday utilities, recharges, and QR-based UPI transactions without paying a steep annual fee. With 1 RP equal to ₹1 for statement credit, cardholders can earn up to ₹1,500 in total monthly cashback if they max out all three tiers.
Rewards and Benefits
Verified privileges, welcome benefits, movie discounts, and airport lounge schedules.
| Category | Details & Conditions |
|---|---|
| 📱2% PhonePe Utilities & Travel | 2% return in Reward Points on PhonePe bill payments, recharges, travel bookings, and Pincode orders (capped at 500 points/month). |
| 🛍️1% Select Online Brands | 1% return on popular e-commerce platforms (Amazon, Flipkart, Myntra, Ajio, Swiggy, Zomato, Uber) (capped at 500 points/month). |
| ⚡1% UPI Scan & Pay | 1% return on merchant UPI QR code payments via RuPay (capped at 500 points/month). |
| ⛽Fuel Surcharge Waiver | 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 (capped at ₹250 per statement cycle). |
| 🎯Milestone Fee Waiver | Annual renewal fee of ₹499 waived on spending ₹1,00,000 or more in an anniversary year. |
Fees & Charges
Transparent schedule of annual charges, spend-based reversals, finance APR, and cash advance rates.
| Fee / Charge | Amount & Conditions |
|---|---|
| Spend-Based Waiver | ₹499 + GSTSpend target in anniversary year to reverse renewal fee. |
| Interest Rates / Finance Charges | 3.75% Per Month (45.00% Annually)Standard finance charge applicable on revolving retail balances and ATM cash advances until complete settlement (revised w.e.f. August 2024). |
| Late Payment Charges | Nil (Up to ₹100), ₹100 (₹101–₹500), ₹500 (₹501–₹1,000), ₹600 (₹1,001–₹5,000), ₹750 (₹5,001–₹10,000), ₹900 (₹10,001–₹25,000), ₹1,100 (₹25,001–₹50,000), ₹1,300 (Above ₹50,000)Tiered late payment charge based on total outstanding balance if Minimum Amount Due is not paid by payment due date. |
| Foreign Currency Markup | 3.50% + GSTStandard cross-currency conversion fee applicable on overseas transactions and foreign currency billing. |
| Dynamic Currency Conversion (DCC) | 1.00% + GST Markup FeeApplicable on transactions carried out in Indian Currency (INR) at an international location or overseas-registered merchants. |
| Rewards / Cashback Redemption Fee | ₹0 (Direct Cashback Settlement)Cashback settled directly with zero redemption fee. |
| Fuel Surcharge Waiver | 1% Fuel surcharge waiver on transactions between ₹400 and ₹5,000 (Max ₹250 per statement cycle)Surcharge waiver excludes GST. Valid across all fuel stations in India. Fuel spends do not accrue reward points. |
| High-Value Fuel Spend Surcharge | 1% fee on fuel spends exceeding ₹15,000/month (Capped at ₹4,999/txn)Applicable on cumulative fuel spends above the monthly threshold in a calendar month. Surcharge is capped at ₹4,999 per transaction. |
| Cash Advance Charges | 2.5% of transaction amount or ₹500 (whichever is higher)Domestic & International ATMs. Finance charge of 3.75% p.m. applies from the date of withdrawal until full payment. |
| Overlimit Charges | Nil (Overlimit Facility Not Permitted / Exempt)Overlimit facility is not available or exempt under official card terms. |
| Rental Transaction Surcharge | 1% fee capped at ₹4,999 per transactionProcessing fee levied on rental payments via platforms like CRED, Paytm, NoBroker, etc. (w.e.f. 1st July 2025). |
| Online Skill-based Gaming Surcharge | 1% fee on spends exceeding ₹10,000/month (Capped at ₹4,999/month)Applicable on online skill-based gaming transactions exceeding ₹10,000 cumulative in a calendar month (w.e.f. 1st July 2025). |
| Wallet Loading Surcharge (excl. PayZapp) | 1% fee on loads exceeding ₹10,000/month (Capped at ₹4,999/month)Applicable on wallet loading transactions exceeding ₹10,000 cumulative in a calendar month (PayZapp wallet loading is exempt, w.e.f. 1st July 2025). |
| Utility Payments Surcharge | 1% fee on utility spends exceeding ₹50,000/month (Capped at ₹4,999/month)Levied on cumulative utility bill payments (electricity, gas, water) exceeding the threshold in a calendar month. Capped at ₹4,999/month. |
| Third-Party Education Fee Surcharge | 1% fee capped at ₹4,999 per transaction via third-party appsLevied on school/college fee payments made via third-party apps (CRED, Cheq, NoBroker). Zero fee on direct school/college website or POS transactions. |
| Payment Dishonour / Bounce Charges | 2% of payment amount (Min ₹450)Charged if cheque, ECS, NACH, or auto-debit instruction towards credit card payment is returned or dishonoured. |
| Card Replacement Fee | ₹100 + GSTStandard physical card re-issuance fee for lost, stolen, or damaged card. |
| Cash Payment at HDFC Branch / ATM | ₹100 + GST per transactionService fee charged for paying credit card bill via physical cash deposit at HDFC Bank branches or ATMs. |
| Railway Ticket Booking Surcharge | 1% of transaction amount + GSTStandard IRCTC transaction fee charged on railway ticket purchases. |
Pros & Cons
HDFC Bank PhonePe Uno Credit Card Features and Benefits
Comprehensive overview of welcome benefits, quarterly spend bonuses, dining privileges, and renewal fee waiver milestones.
2% PhonePe Utility Boost
Earn 2% back as statement cashback on electricity, water, gas, mobile recharges, and Pincode orders within the PhonePe app.
1% Everyday UPI Return
Link your card to PhonePe or any UPI app to make tap or scan-and-pay merchant transactions with 1% return up to 500 points per month.
1% Digital Shopping Tier
Earn 1% cashback on leading e-commerce platforms including Amazon, Flipkart, Myntra, Swiggy, and Zomato up to 500 points per month.
Welcome Fee Neutralization
Recover the ₹499 joining fee via PhonePe Gift Cards: ₹249 on first transaction and ₹25 on each of the next 10 transactions.
PhonePe UNO Reward Points Structure
All points earned are redeemable 1:1 as statement cashback (1 RP = ₹1). Catalogue redemption is not recommended (1 RP = ₹0.30).
Eligibility Criteria for HDFC Bank PhonePe Uno Credit Card
The following table illustrates the income-based and age-based underwriting criteria:
| Criteria | Salaried Employees | Self-Employed Individuals |
|---|---|---|
| Age | 21 – 60 Years | 21 – 65 Years |
| Income Proof | Net Monthly Income > ₹25,000 | ITR > ₹6,00,000 Per Annum |
| Credit Score (CIBIL) | 720+ recommended | |
How to Apply for HDFC Bank PhonePe Uno Credit Card
Simple 4-step digital application process directly on the official issuer portal:
Check Eligibility
Click "Apply Now" to open the official bank application portal.
Enter Details
Provide your mobile number, PAN, and employment information.
Complete Video KYC
Verify your identity via paperless Aadhaar OTP or a quick 2-minute Video KYC.
Receive Card
Get instant virtual card access and physical card delivery within 5-7 working days.
CardIntel Score v1.1
Objective Card Quality Breakdown
CardIntel Score v1.1 measures structural card quality against a fixed ₹6 lakh annual benchmark. It evaluates 9 factors including Net Ownership ROI, without affiliate commission, editorial preference, or card slug heuristics.
1.15% effective benchmark return
Zero ownership cost with solid net return
No monthly or category ceilings
Rewards Catalogue
Domestic (0/5) + Intl (0/3) + Terms (0/2)
3.5% forex markup
Open retail availability
0 benefit pillars qualified
Zero material reward conditions (7/7 pts)
Why this score?
Solid net ownership ROI, unrestricted reward cap headroom and broad consumer accessibility. The score is reduced by the lounge access terms, forex markup and restricted redemption options.
You need to spend at least ₹48,000 per year (₹4,000/mo) on this card to fully recover its annual fee.
4-Layer Financial Intelligence
Card Economics & Net ROI
Evaluating real economic return after accounting for benchmark spending (₹6,00,000/yr), effective annual fee, and verified category caps.
Calculate Your Real Returns
What You'll Actually Earn
Calculated using CardIntel's deterministic reward rules, fee waivers, and merchant accelerated caps.
Frequently Asked Questions (FAQs)
Official guidance on applications, reward redemptions, credit limit assignments, and customer support.
Points can be redeemed directly as statement cashback where 1 Point = ₹1.00. A minimum accumulation of 500 Reward Points is required before you can submit a statement cashback request.
Verified Bank MITC Provenance
All reward percentages, exclusions, and annual fee waiver rules for HDFC Bank PhonePe Uno Credit Card are verified directly against official bank regulatory filings and Most Important Terms and Conditions (MITC).
CardIntel may earn referral fees from eligible application links. These fees never influence CardIntel Scores, rankings, or recommendations.
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