Welcome benefit
₹500Current acquisition offer; subject to issuer programme and fee conditions.
HDFC Bank
PhonePe HDFC Bank Uno Credit Card
Affordable PhonePe RuPay card with rewards on bills, online brands and UPI Scan & Pay transactions.
✓ SmartCheck VerifiedIssuer-source checked on 18 Sep 2026
This card has been manually reviewed against official issuer sources across fees, rewards, benefits, charges and application status.
RupayEntry
- Annual fee
- ₹499Waived at ₹1 lakh annual spend
- Rewards
- 2% Reward Points on eligible PhonePe categories and 1% on selected…
- Forex markup
- 3.5%
- UPI
- Supported
Credofly Verdict
Is this card a good fit?
What works well
- Low ₹499 annual fee.
Consider before applying
- Accelerated PhonePe earn rate is much lower than Ultimo.
Rewards
How rewards work
- Reward type
- Reward Points : Reward Points
- Reward currency
- Reward Points
Key limits & thresholds
- 2% Reward Points on eligible PhonePe categories and 1% on selected online brands and eligible PhonePe Scan & Pay / RuPay UPI transactions; monthly caps apply.
Base rewards
2% Reward Points on eligible PhonePe categories and 1% on selected online brands and eligible PhonePe Scan & Pay / RuPay UPI transactions; monthly caps apply.
Redeeming rewards
Minimum redemption 500 RP; maximum statement cashback ₹7,500 per calendar month; reward-point expiry 2 years.
Benefits
Travel and lifestyle privileges
Fees & Charges
What the card costs
- Joining fee
- ₹499
- Annual fee
- ₹499
- Forex markup
- 3.5%
- Annual-fee waiver spend
- ₹1 lakh
Annual-fee waiver
Eligibility & Application
Before you apply
- Application channel
- Online
Frequently Asked Questions
Answers before applying
What is the annual fee for PhonePe HDFC Bank Uno Credit Card?
The annual fee is ₹499.
Can the annual fee be waived?
Yes. The annual fee can be waived on annual spending of ₹1 lakh.
What forex markup does this card charge?
The forex markup is 3.5%.
How does this card earn rewards?
2% Reward Points on eligible PhonePe categories and 1% on selected online brands and eligible PhonePe Scan & Pay / RuPay UPI transactions; monthly caps apply.
Does this card support UPI?
Yes. This card supports UPI.
Is this card currently open for applications?
Applications are currently open.
