HDFC BankRuPay Network

Verified

Direct Bank Application via Official Issuer Portal

Shopping UPI / RuPay Utility Bills

4.0/5 Editorial Score

PhonePe HDFC Bank Uno Credit Card

Affordable Digital Cashback for Everyday Bill Payments

Best Suited For

First-time cardholders, young earners, and budget shoppers looking for dependable utility bill cashback.

Shopping UPI / RuPay Utility Bills

Joining Fee

₹499

One-time upfront

Annual Fee

₹499

Waived on ₹1 lakh annual spend

Base Rewards

0.50% on all other retail transactions

On eligible spends

Forex Markup

3.50% + GST

Cross-currency spends

Apply Now Compare Card Official Terms

Last verified 2 Oct 2026

Why Consider This Card?

Objective editorial assessment, ideal spender profile, and primary trade-offs

Editorial Verdict

4.0/5 Editorial Score

The PhonePe HDFC Bank Uno Credit Card serves as the accessible, entry-tier counterpart to the Ultimo card. With a modest joining and annual fee of ₹499 plus GST, it is structured for budget-conscious consumers who want a reliable, no-frills credit line that rewards routine monthly utility and mobile recharge transactions. Cardholders earn 3% cashback on all eligible spends processed through the PhonePe app, including electricity, water, gas, and DTH bills, alongside a flat 1% cashback on other retail transactions. A ₹500 PhonePe voucher welcome gift reimburses the initial joining fee, ensuring users begin on a cash-positive footing. Because it is an entry-level product, Uno does not include airport lounge visits, movie ticket discounts, or golf privileges. Accelerated 3% cashback is also subject to a monthly cap (typically ₹250 to ₹300 per statement cycle). With an extremely low fee waiver spend hurdle of only ₹75,000 annually, PhonePe HDFC Uno is an uncomplicated starter card for anyone looking to build their credit history while saving on everyday household overheads.

Ideal For:First-time cardholders, young earners, and budget shoppers looking for dependable utility bill cashback.

Shopping UPI / RuPay Utility Bills

Card Strengths

3% cashback on utility bills, recharges, and digital payments via PhonePe app
Very affordable ₹499 + GST annual fee with easy ₹75,000 spend-based waiver
₹500 welcome voucher covering the first-year joining fee entirely
Simple flat 1% cashback on all other eligible retail purchases
Instant digital card management and controls via HDFC NetBanking and PayZapp

Things to Keep in Mind

Accelerated 3% cashback capped at ₹250 per statement cycle
Zero airport lounge visits or travel lifestyle benefits
Standard 3.50% foreign exchange markup on international transactions
Excludes rent payments, wallet reloads, and fuel transactions from rewards

Additional Cardholder Privileges

Rewards

2 RPs/₹100 on Select PhonePe Spends Like Recharges, Bill Payments, Movies, Hotels, Utilities, and More. 1 RP/₹100 on Brands Like Amazon, Flipkart, Myntra, Ajio, and More. 1 RP/₹100 on Scan & Pay UPI Spends

Welcome

Welcome Benefit 1

Get 50% of the Joining Fee Back as a PhonePe Gift Card on Your First RuPay Credit Card UPI Transaction, and the Remaining 50% as 10 Gift Cards on Continued UPI Spends

Rewards & Cashback Structure

Base earning rates, partner merchant acceleration, redemption options, and exclusions

Reward Program Name: PhonePe Uno Rewards
Reward Currency: Reward Points
Base Earn Rate: 0.50% on all other retail transactions
Point Value (INR): ₹1.0000 per point
Redemption Channels: Redeem points directly on PhonePe app or HDFC portal as statement credit. Valid for 2 years.
Reward Point Expiry: Reward Points are valid for 2 years from the date of accumulation.

Category Accelerated Earn RatesPublished Terms

Spend Category	Earn Rate	Reward Cap	Conditions
PhonePe App Bill Payments & Recharges	2% Reward Points on PhonePe app merchant payments and utility recharges (max 500 RP/month)	500 Reward Points/mo	Standard terms apply
All Other Spends	1% Reward Points on select online partner brands and UPI Scan & Pay transactions (max 500 RP/month)	500 Reward Points/mo	Standard terms apply

Explore top credit cards and rewards across top verified merchant brands.Browse Merchant Hubs

Estimate Your Custom Monthly Rewards

Calculate estimated net cashback and points across your actual spending pattern.

Open Rewards Calculator

Reward Exclusions: Fuel transactions, wallet loading, cash withdrawals, rent payments, educational payments, and government services are generally excluded from base and accelerated reward point accrual across all Indian card issuers.

Reward Calculator

Estimate Your Annual Rewards

Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.

Verified Rates & Caps

Quick Select:

Total Monthly Spend:₹30,000 / month

₹5,000 / mo₹1 lakh / mo₹2 lakh / mo

Category Spend Allocation

Customize monthly spend in each category. Category amounts sum directly to your monthly spend.

Assumed spend distribution

PhonePe App Bill Payments & Recharges2.00%

Cap: ₹500/monthly

₹

All Other Spends1.00%

Cap: ₹500/monthly

₹

Excluded / Non-Reward Spends0%

Fuel, rent, wallet, govt, cash

₹

Category / Reward Bucket	Monthly Spend	Rate	Effective Rate	Cap Period	Eligible Reward	Cap Status
PhonePe App Bill Payments & Recharges	₹12,000	2% Reward Points on PhonePe app merchant payments and utility recharges (max 500 RP/month)	—	₹500/monthly	Calculating...	Under cap
All Other Spends	₹18,000	1% Reward Points on select online partner brands and UPI Scan & Pay transactions (max 500 RP/month)	—	₹500/monthly	Calculating...	Under cap
Total Monthly Cashback	₹30,000	-	—	-	₹0 / mo	Zero cap loss

Annual Spends

₹3.6 lakh

12 billing cycles

Annual Capped Rewards

₹0

0% blended return

Effective Fee

-₹499

Standard renewal

Net Annual Value

+₹0 / yr

Rewards - Fee

*Calculation based on verified card reward rates, applicable monthly caps, and fee-waiver thresholds - ₹499 annual fee.

Multi-card comparator

Milestone Spend Progression

Bonus vouchers and annual fee waiver milestones unlocked as your total spend increases

Tier 1 Target

₹1 lakhper year

Worth ₹499

Annual Fee Waiver

Spend ₹1,00,000 or more in an anniversary year to receive a full waiver of the ₹499 annual renewal fee.

*Milestone spend calculation is tracked across eligible retail purchases within each specified billing or calendar period. Excludes cash advances, wallet loads, and EMI conversions.

Airport Lounge Access

Domestic and international lounge privileges, spend hurdles, and participating terminals

No Airport Lounge Access Included

This card is tailored primarily for shopping rewards, cashback, or specific co-branded spend and does not include complimentary airport lounge visits.

Fees & Charges

Complete breakdown of joining, renewal, forex, financing APR, and transaction charges

1. Card Membership Fees

Joining Fee (1st Year): ₹499
Annual / Renewal Fee (2nd Year Onwards): ₹499
Annual Spend Fee Waiver: Waived on ₹1 lakh annual spend
Fee Terms Notes: ₹500 welcome voucher on first spend within 30 days. Renewal fee of ₹499 waived on ₹1,00,000 annual spend; 3.50% forex markup.

2. International Spends

Foreign Currency Markup (Forex): 3.50% + GST
Dynamic Currency Conversion (DCC): Standard 1% mark-up on cross-currency INR transactions where applicable

3. Borrowing & Financing

Monthly Interest Rate (Finance Charges): Refer to official schedule of charges
Annualized Interest Rate (APR): Refer to official schedule of charges
Cash Advance / ATM Withdrawal Fee: Refer to official schedule of charges
Interest-Free Period: Up to 50 Days

4. Other Charges & Taxes

Late Payment Charges: Refer to official schedule of charges

Regulatory Tax Notice: Goods and Services Tax (GST) of 18% is applicable on all card fees, interest charges, and milestone fees as mandated by the Government of India.

Verified Terms & Exclusions Summary

• Joining Fee: ₹499 + GST; Annual Renewal Fee: ₹499 + GST. • Fee Waiver: Spend ₹75,000 or more in the preceding 12 months to waive the ₹499 annual renewal fee. • Welcome Benefit: ₹500 PhonePe voucher upon fee payment and card activation within 30 days. • Cashback: 3% cashback on PhonePe app transactions; 1% on other eligible retail spends. • Monthly Cap: Accelerated 3% cashback capped at ₹250 per statement billing cycle. • Exclusions: Fuel, rent payments, wallet reloads, and government fees do not earn cashback.

Is the Annual Fee Worth It?

Evaluate whether this card's perks and waiver threshold justify its ₹499 renewal fee.

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Eligibility & Application Requirements

Income criteria, minimum age, CIBIL score benchmark, and verification checklist

Eligibility criteria not specified

Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.

Mandatory Verification Documents

1. Identity ProofPAN Card (Mandatory), Aadhaar Card, Passport, or Voter ID.

2. Address ProofAadhaar (DigiLocker), Utility Bill (Electricity/Piped Gas), or Rental Agreement.

3. Income ProofLatest 3 months salary slips, Form 16, or latest 2 years ITR computation.

Frequently Asked Questions

Common questions regarding PhonePe HDFC Bank Uno Credit Card application, fees, reward redemption, and eligibility

What is the key difference between PhonePe HDFC Uno and Ultimo?

PhonePe Uno carries a lower ₹499 fee and offers 3% cashback on PhonePe app transactions with no lounge access. PhonePe Ultimo carries a ₹999 fee and provides 5% cashback on PhonePe app spends plus 4 domestic airport lounge visits per year.

How do I get the ₹499 annual fee waived on PhonePe Uno?

The annual renewal fee of ₹499 is waived if you spend ₹75,000 or more on eligible retail transactions within the previous 12-month membership year.

Is there a monthly cap on the 3% cashback?

Yes, the 3% accelerated cashback on PhonePe app spends is capped at ₹250 per statement billing cycle.

Does PhonePe HDFC Uno offer domestic airport lounge access?

No, the Uno card does not include complimentary airport lounge access. It is focused strictly on affordable utility bill cashback.

What is the joining and annual renewal fee for PhonePe HDFC Bank Uno Credit Card?

The joining fee for PhonePe HDFC Bank Uno Credit Card is ₹499 (one-time), and the annual renewal fee is ₹499 from the second year onwards. GST of 18% is applicable on all fee charges.

Can the annual fee on PhonePe HDFC Bank Uno Credit Card be waived?

Yes, the annual renewal fee of ₹499 is waived upon achieving annual spends of ₹1 lakh in the preceding card anniversary year.

What are the primary rewards and cashback earn rates on PhonePe HDFC Bank Uno Credit Card?

PhonePe HDFC Bank Uno Credit Card offers 0.50% on all other retail transactions. Cardholders also enjoy accelerated reward rates on partner merchants and selected digital spend categories.

Does PhonePe HDFC Bank Uno Credit Card offer complimentary airport lounge access?

No, PhonePe HDFC Bank Uno Credit Card is designed for daily retail, cashback, or UPI spend and does not currently include complimentary airport lounge visits.