HDFC
PhonePe HDFC Bank Uno Credit Card
This card is no longer offered by bank
This card is no longer sourceable
This card is no longer offered by bank
Top Benefits
Earn 2% Reward Points on Recharges and Bill Payments on PhonePe
capped at 500 Reward Points per calendar month
Earn 1% Reward Points on Every UPI Scan & Pay
capped at 500 Reward Points per calendar month
Best For
Shopping
Utility Bills
UPI
Expert Review
Joining / Annual Fee
Joining Fees
₹589 ( ₹499 + GST )
Annual Fees
₹589 ( ₹499 + GST )
Eligibility
Age
Criteria*
21-65 years
Salary
Criteria*
3LPA
Credit
Rating*
720+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
No
All Card Benefits
- 2% Reward Points on select PhonePe categories covering recharges, utilities, bill payments and travel
- 1% Reward Points on Amazon, Flipkart, Myntra, Ajio, Swiggy, Zomato and Uber
- 1% Reward Points on all UPI Scan & Pay spends; each rate capped at 500 Reward Points per calendar month, up to 1,500 Reward Points a month in total 1 Reward Point worth ₹1 as cashback against the statement, capped at ₹7,500 per calendar month
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 reward Point = ₹1
Redemption Options
- Cashback
- Flight & Hotel Bookings
- Airmiles
To check redemption catalogue
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Fuel
Rent
Insurance
Investments
Jewellery
Wallet Load
Gift Cards
EMI Transactions
Government Service
Education
Cash Advance
Credit Card Bill Payment
For Spends Waiver
Fuel
Rent
Insurance
Investments
Jewellery
Wallet Load
Gift Cards
EMI Transactions
Government Service
Education
Cash Advance
Credit Card Bill Payment
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  3.50% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency | 3.5% |
APR Fees Finance charges of 3.75% per month 45% per annum apply on unpaid outstanding balances until the amount is fully repaid | 3.75% |
ATM withdrawal 2.50% of the withdrawn amount is charged on cash advances using the credit card minimum ₹500, if applicable | 2.5% |
Reward Redemption Fees ₹99 redemption fee per redemption | ₹99 |
Link for all T&Cs | Click Here |
Railway Surcharge A surcharge of 1% is applied to transactions made for booking railway tickets | 1% |
Rent Payment Fees A surcharge fee of 1% applies on rental transactions made using the credit card | 1% |
cheque Payment Fees A fee of ₹450 is levied for cheque return, cheque dishonour, or auto-debit reversal | ₹450 |
Cash Payment Fees A fee of ₹100 is charged for making credit card bill payments in cash at the branch | ₹100 |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹100 | ₹0 |
| ₹101 - ₹500 | ₹100 |
| ₹501 - ₹1000 | ₹500 |
| ₹1001 - ₹5000 | ₹600 |
| ₹5001 - ₹10000 | ₹750 |
| ₹10001 - ₹25000 | ₹900 |
| ₹25001 - ₹50000 | ₹1100 |
| Above ₹50000 | ₹1300 |
That’s the full story of this credit card
Like this card? Your apply button’s just there.
Top Benefits
Top Benefits
Earn 2% Reward Points on Recharges and Bill Payments on PhonePe
capped at 500 Reward Points per calendar month
Earn 1% Reward Points on Every UPI Scan & Pay
capped at 500 Reward Points per calendar month
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