Skip to content
OnePaisa — Smart Finance for India
Credit Cards
PhonePe HDFC Bank Uno Credit Card credit card
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
Apply NowCheck Eligibility →
Secure · Free · No spam calls

Independent comparison platform. Not affiliated with HDFC Bank. Full disclaimer

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)

CategoryDetails
Phonepe categories2% Reward Points on Select PhonePe categories* (Recharges, Utilities, Bill Payments and Travel) - Capped at 500 reward points per calendar month. *The Rewards on PhonePe PINCODE will be valid until 5th Dec'25.
Online brands1% Reward Points on Select Online Brands – Amazon, Flipkart, Myntra, Ajio, Swiggy, Zomato, Uber (Capped at 500 Reward Points per calendar month).
Upi scan pay1% Reward Points on All Scan & Pay spends (Capped at 500 Reward Points per calendar month).

Redemption options

Statement credit:1 Reward Point is equivalent to Re.1 when redeemed as cashback against statement credit. The minimum Reward Point balance required for redemption against the statement balance is 500 Reward Points. Maximum cashback redemption of Rs 7,500 per calendar month. If the cardholder opts for redemption as Cashback against statement, there will be no redemption fee levied.(minimum 500 points)Smartbuy platform:1 Reward Point is equivalent to Re.0.3 of SmartBuy (Flights/Hotels, Airmiles & Product Catalogue).
  • • 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 amountLate 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

No rewards on

Cash Advances · Credit Card Fees · Emi Spends

Card management via MyCards.

🎯 Not sure this card is right for you?

Try our Card Finder — get personalized picks in 30 seconds.

Find My Card →

Explore related credit cards

All HDFC Bank cards →Best UPI RuPay Cards →

Similar Credit Cards

Browse all credit cards →
RuPay
HDFC Bank logoHDFC Bank

PhonePe HDFC Bank Ultimo Credit Card

Joining₹999
Annual₹999/yr
Reward1%Assumes 1 Reward Point = Re.1 when redeemed as cashback against statement credit (issuer's primary redemption path); min 500 RP to redeem, max cashback redemption ₹7,500 per calendar month. SmartBuy path only Re.0.3/RP.
Apply Now

🔒 Secure & Free

RuPay
HDFC Bank logoHDFC Bank

HDFC Bank Bharat Credit Card

JoiningFREE
Annual—
Reward—
No longer offered

HDFC Bank is no longer accepting applications for this card.

📖 Guides about this card

🔧 Useful tools