HDFC Bank
RuPay•••• •••• •••• 4242
PhonePe HDFC Bank Uno Credit Card
PhonePe HDFC Bank Uno Credit Card
HDFC Bank
Annual Fee
₹499
Effective Rate
0.25%
Network
RUPAY
Point Value
₹0.25/pt
About PhonePe HDFC Bank Uno Credit Card
2% RP on select PhonePe categories; 1% on select online brands; 1% on UPI Scan & Pay. Cap 1,500 RP/month. 1% fuel waiver.
Best For
Pros & Cons
thumb_upPros
- check_circleSpending milestone bonuses for high spenders
thumb_downCons
- cancelAnnual fee of ₹499 with no waiver option
- cancelForeign transaction fee applies on overseas spends
- cancelPoints redemption catalog may limit flexibility
Reward Earning Structure
Each point is worth ₹0.25 — an effective return of 0.25% on spend.
| Category | Earn Rate | Per ₹10,000 Spent |
|---|---|---|
| All other spends | 2% | 200 pts≈ ₹50 |
| All other spends | 1% | 100 pts≈ ₹25 |
Points can typically be redeemed for flight tickets, hotel bookings, cashback, gift vouchers, or merchandise via the HDFC Bank rewards portal. Redemption value may vary by option.
Spending Milestones
Unlock bonus rewards when your annual spend crosses these thresholds.
Spend ₹1,00,000 (ANNUAL)
Annual fee waived on ₹1,00,000 annual spend.
Fees & Charges
Key fees at a glance. For the complete schedule refer to the official Key Fact Statement (KFS) on the HDFC Bank website.
| Annual Fee | ₹499 |
| Forex Markup | As per issuer schedule |
| Interest Rate (APR) | Refer to KFS |
| Late Payment Charges | Refer to KFS |
| Cash Advance Fee | Refer to KFS |
Eligibility & Documents Required
Eligibility Criteria
- checkAge: 18–70 years (primary cardholder)
- checkMinimum annual income: As per bank norms
- checkCIBIL score: 750+ recommended
- checkEmployment: Salaried or self-employed Indian resident
Documents Required
- descriptionPAN Card (mandatory)
- descriptionAadhaar / Passport / Voter ID (address proof)
- descriptionSalary slips — last 3 months (salaried)
- descriptionLatest ITR or Form 16 (self-employed / salaried)
- descriptionBank statements — last 3 months
- descriptionPassport-size photograph
Frequently Asked Questions
Common questions about PhonePe HDFC Bank Uno Credit Card.
Ready to apply for PhonePe HDFC Bank Uno Credit Card?
Apply directly on the HDFC Bank website. Most decisions within 7–10 working days.
Affiliate disclosure: CreditBrain may earn a referral fee if you apply via our link. This does not affect our editorial independence.