Entry-LevelEntryRuPay✦ PhonePe

PhonePe HDFC Bank Uno Credit Card

Annual fee₹499Waived on ₹1.0L spend

Rewards1% Reward Points on All Scan & Pay spends (Capped at 500 Reward Points per calendar month)

Forex markup3.5%3.5% on all foreign currency transactions

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Welcome benefits

worth ₹499

PhonePe Gift card ₹249 on first Rupay CC on UPI transaction + Scratch cards worth ₹25 each on next 10 Rupay CC on UPI transactions

Type: Gift Voucher
Trigger: First Upi Transaction
Partner: PhonePe

Rewards

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

statement_credit: —smartbuy_platform: —

• Unredeemed Reward Points will expire/lapse after 2 years from the date of accumulation
• Minimum redemption: 500 points
• Redemption fee: ₹99

Fees & charges

Joining fee: ₹499 + applicable taxes
Annual / renewal fee: ₹499 + applicable taxes
Annual fee waiver: Annual Year Fee waived upon spending ₹1,00,000 in the previous year. Below spends will not be considered for the waiver – Cash advances, Credit Card fees or any charges, All EMI spends, Any other categories excluded as per the Bank's internal policies
Interest rate: Infinia, Infinia (Metal Edition), Diners Black Metal Edition, Diners Black, BizBlack Metal Card: 1.99% per month (23.88% p.a.). All other variants: 3.75% per month (45.0% p.a.). w.e.f 1st August 2024.
Interest-free period: 50 days
Cash advance fee: Transaction fee of 2.5% (Excluding Infinia, Infinia Metal Edition) or ₹500 whichever is higher on ATM withdrawals. Cash withdrawal limit: 40% of credit limit.
Payment dishonour: 2% of Payment amount subject to minimum of ₹450. Capping of ₹4999 for Infinia & Infinia Metal Credit Card. Applicable for cheque payment return or unsuccessful autopay.
Forex markup: 3.5% on all foreign currency transactions
DCC markup: 3.50%
Reward redemption: ₹99 per redemption
Fuel surcharge: 1% waiver, on ₹400–₹5000 txns, max ₹250/cycle

Late payment

Outstanding amount	Late fee
₹0 – ₹100	₹0
₹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
Above ₹50,001	₹1,300

Insurance covers

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.

Eligibility

Age: 21–65 years

Features

✓ Contactless✓ Chip & PIN✓ UPI linkage

Additional features

Card Controls via MyCards to set daily limits, domestic/ international usage, online spends limit
Statement Request to generate monthly/ yearly Credit Card statements
PIN Setting for Credit Card usage
SmartEMI to convert transactions/ outstanding balance to EMI
BillPay to automate Bill payments like electricity, mobile, broadband
Service Requests for card hot listing, issuing new Credit Cards
Card Offers for specific offers on this Credit Card
Block your Credit Card feature
Whatsapp Banking - save number 7070022222 and send message 'Manage My Credit Card'
Eva chatbot support