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HDFC Bank · RuPay

PhonePe HDFC Bank Uno

PhonePe services, selected online brands and merchant Scan & Pay earn in three separately capped buckets, redeemable at ₹1 per point as statement credit.

PhonePe HDFC Bank Uno Credit Card

PhonePe

2 RP/₹100; 500 RP/month cap

Select brands

1 RP/₹100; 500 RP/month cap

Scan & Pay

1 RP/₹100; separate 500 RP/month cap

Annual fee

₹499 + taxes; waiver at ₹1 lakh

PhonePe services

2 RP/₹100 on eligible PhonePe recharges, utilities/bills and travel, capped 500 RP/calendar month. Insurance and other excluded categories earn nothing.

Shopping & merchant QR

1 RP/₹100 on eligible selected online brands, capped 500 RP/month, plus 1 RP/₹100 on eligible merchant Scan & Pay, with a separate 500 RP/month cap. QR transactions can be made through any supported UPI app.

Paid-card welcome

Paid-card welcome for applications from 1 Aug 2026: five ₹100 scratch cards on the first five eligible PhonePe UPI transactions of at least ₹100 each.

PhonePe HDFC Bank Uno: fees & key facts

PhonePe HDFC Bank Uno credit card fees and key facts
Joining and annual fees₹499 + applicable taxes each; renewal waived after ₹1 lakh eligible previous-year spend. EMI, cash, fees and excluded categories do not count.
PhonePe services2 RP/₹100 on eligible recharges/bills and travel/stays booked through PhonePe, capped 500 RP/calendar month. Eligible merchant coding and PhonePe initiation required.
Selected online brands1 RP/₹100 on eligible Amazon, Flipkart, Myntra, Ajio, Uber, Swiggy and Zomato transactions, capped 500 RP/calendar month; this is not all online spending.
Scan & Pay1 RP/₹100 on eligible merchant QR payments through any supported UPI platform, capped 500 RP/calendar month. Online intent/card entry is not automatically a QR transaction.
Statement redemption1 RP = ₹1 statement credit; minimum 500 RP to redeem. Maximum ₹7,500 statement redemption/calendar month; no statement-redemption fee. Points expire after 2 years.
SmartBuy valueBank lists ₹0.30 per RP on SmartBuy flights/hotels, airmiles and catalogue, versus ₹1 statement credit; do not treat points as ₹1 on every redemption route.
Welcome from August 2026Applications from 1 August 2026 with joining fee applicable: five scratch cards of ₹100 each for the first five qualifying PhonePe card-UPI transactions of at least ₹100. Earlier application cohorts have different gifts.
Lounge accessNo complimentary airport lounge allowance is listed for Uno; Ultimo has separate spend-gated access.
Fuel surcharge waiver1% on qualifying ₹400–₹5,000 fuel transactions, maximum ₹250/statement cycle. Fuel itself earns no rewards; surcharge GST and excess charges can remain.
Reward exclusionsEMI, fuel, wallet loads, gift cards, cash, bill repayments, fees, government, rent, education, insurance, investments and jewellery are excluded. PhonePe PINCODE earning ended 5 December 2025.
How to applyApply through the PhonePe app. HDFC decides the offered variant and credit limit; the public page is not a promise of approval.

Public issuer terms checked 15 October 2026.

Checked product and current card-specific rewards PDF. App-only acquisition; bank selects the variant. August 2026 welcome cohorts and different SmartBuy/statement values are distinguished.

HDFC uno productHDFC uno rewards termsPhonePe official HDFC comparison

Who should get it

Choose Uno for a lower standard fee and modest PhonePe service rewards. This HDFC programme is separate from PhonePe SBI Card.

The 2% headline applies only to named PhonePe services. Other eligible Scan & Pay earns 1%, and selected online-brand rewards do not extend to every online store.

Statement credit gives ₹1 per point; the bank lists only ₹0.30 per point on SmartBuy. The more convenient redemption option can therefore be materially more valuable.

Reward exclusions

Transactions that do not earn Rewards

Eligibility follows the merchant category code and transaction data received by the issuer, so the merchant name alone may not determine whether a transaction earns rewards.

  • Fuel, wallets, gift cards and cash advances
  • Rent, government, education, insurance, investments and jewellery
  • EMI transactions, fees and card-bill repayments
  • Unsupported service/brand/merchant codes; expired PINCODE earning

Checked product and current card-specific rewards PDF. App-only acquisition; bank selects the variant. August 2026 welcome cohorts and different SmartBuy/statement values are distinguished.

Checked 15 October 2026HDFC uno productHDFC uno rewards termsPhonePe official HDFC comparison

PhonePe HDFC Bank Uno FAQs

Is PhonePe Uno the same as PhonePe SBI Card?

No. This card is issued by HDFC Bank and uses its own reward buckets, exclusions, redemption values and fees.

Does the card earn on UPI outside PhonePe?

Eligible merchant QR Scan & Pay through any supported UPI app earns 1 RP/₹100, capped 500 RP/month, under the HDFC rewards terms. Excluded categories do not earn.

Does every online store earn 1%?

No. Only the named online brands and eligible merchant codes qualify, with a 500 RP monthly cap.

What is the best published point redemption value?

The bank lists ₹1 per point as statement credit and ₹0.30 on SmartBuy. Statement credit requires at least 500 points, with a ₹7,500 monthly redemption limit.

Is the welcome gift available on a fee-free offer?

The bank says welcome benefits are offered only where the joining fee applies. Applications from 1 August 2026 have a different scratch-card structure from older cohorts.

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