RuPay
HDFC BankPhonePe HDFC Bank Ultimo Credit Card
Joining₹999
Annual₹999/yr
Reward1%
Apply Now
🔒 Secure & Free
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Zero-fee rewards for PhonePe-first spenders
PhonePe Gift card ₹249 on first Rupay CC on UPI transaction + Scratch cards worth ₹25 each on next 10 Rupay CC on UPI transactions
Base earn rate
1% Reward Points on All Scan & Pay spends (Capped at 500 Reward Points per calendar month)
| Category | Rate | Cap |
|---|---|---|
| Phonepe Categories | — | Capped at 500 reward points per calendar month |
| Online Brands | — | Capped at 500 Reward Points per calendar month |
| Upi Scan Pay | — | Capped at 500 Reward Points per calendar month |
Redemption value
Late payment
| Outstanding amount | Late fee |
|---|---|
| Up to ₹100 | Nil |
| ₹101-500 | ₹100 |
| ₹501-1,000 | ₹500 |
| ₹1,001-5,000 | ₹600 |
| ₹5,001-10,000 | ₹750 |
| ₹10,001-25,000 | ₹900 |
| ₹25,001-50,000 | ₹1,100 |
| More than ₹50,000 | ₹1,300 |
Fraud liability
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.
Additional features
No rewards on
Cash Advances · Credit Card Fees · Emi Spends
Card management via MyCards.
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