The PhonePe HDFC Bank Uno Credit Card is the standard variant of the PhonePe-HDFC co-branded credit card lineup, with the Ultimo being the premium variant. It is a digital-first credit card built on the RuPay network, enabling seamless UPI-based transactions including Scan and Pay at all UPI-accepted merchants.

• Issued by HDFC Bank in partnership with PhonePe
• Available on the RuPay network for UPI compatibility
• Earn reward points on PhonePe spends, online brands, and UPI Scan & Pay
• 1 Reward Point = Rs.1 when redeemed as cashback
• Affordable fee structure with easy waiver option

Earn 2% Reward Points (2 RPs per Rs.100) on select PhonePe categories including recharges, utility bill payments, movies, hotels, travel bookings, and PhonePe PINCODE spends. This is capped at 500 Reward Points per calendar month.

Rewards on Online Brands

Earn 1% Reward Points (1 RP per Rs.100) on purchases at popular online brands including Amazon, Flipkart, Myntra, Ajio, Swiggy, Zomato, Uber, and Ola. This is capped at 500 Reward Points per calendar month.

UPI Scan & Pay Rewards

Earn 1% Reward Points on all Scan and Pay UPI transactions, capped at 500 Reward Points per calendar month.

Fuel Surcharge Waiver

Save 1% on fuel surcharge at fuel stations on transactions between Rs.400 and Rs.5,000. Maximum waiver of Rs.250 per statement cycle.

Zero Liability Protection

The card offers zero cost liability on fraudulent transactions when reported to the HDFC Bank 24-hour call centre immediately after discovering the loss.

Interest-Free Credit Period

Enjoy up to 50 days of interest-free credit on your purchases when you pay the full statement balance by the due date.

• First UPI Transaction: Get a PhonePe Gift Card worth Rs.249 on your first RuPay CC on UPI transaction via the PhonePe app
• Next 10 UPI Transactions: Earn scratch cards worth Rs.25 each on your next 10 RuPay CC on UPI transactions (minimum Rs.100 per transaction eligible)
• Total welcome benefit value: Up to Rs.499, effectively covering the joining fee

Annual Fee Waiver

• The renewal fee of Rs.499 + GST is waived when you spend Rs.1,00,000 or more in the previous card anniversary year
• Excluded from waiver calculation: Cash advances, credit card fees or charges, and all EMI spends (Easy EMI, Smart EMI, Dial an EMI)

The PhonePe HDFC Bank Uno Credit Card does not offer any airport lounge access benefits, either domestic or international. This is an entry-level card focused on digital spending rewards rather than travel perks.

If you require airport lounge access, consider upgrading to the PhonePe HDFC Bank Ultimo Credit Card which offers 8 complimentary domestic lounge visits per year, or other HDFC premium cards like the Regalia or Infinia.

The PhonePe HDFC Bank Uno Credit Card earns Reward Points across three tiers:

• 2% Reward Points on PhonePe categories: Recharges, Utility Bill Payments, Movies, Hotels, Travel, and PhonePe PINCODE (capped at 500 RPs/month)
• 1% Reward Points on select online brands: Amazon, Flipkart, Myntra, Ajio, Swiggy, Zomato, Uber, Ola (capped at 500 RPs/month)
• 1% Reward Points on all UPI Scan & Pay transactions (capped at 500 RPs/month)

Excluded Categories

No reward points are earned on: EMI transactions, fuel, wallet loads, gift cards, cash advances, credit card bill payments, charges/fees, government payments, rental transactions, education fees, insurance, investments, and jewelry purchases.

Redemption Options

• Cashback (Best Value): 1 RP = Rs.1 against statement credit. Minimum 500 RPs required, maximum Rs.7,500 per month. No redemption fee.
• SmartBuy: 1 RP = Rs.0.30 for flights, hotels, airmiles, and product catalogue. Rs.99 redemption fee applies.

• Age: Minimum 21 years to maximum 60 years
• Income: Gross monthly income greater than Rs.25,000

For Self-Employed Individuals

• Age: Minimum 21 years to maximum 65 years
• Income: Rs.26 lakh per annum

Credit Score

• A good CIBIL score of 700 or above is recommended for approval

• Passport
• Aadhaar Card
• Voter ID
• Driving Licence
• PAN Card
• Passport-size photograph

Address Proof (any one)

• Utility bills (electricity, water, gas, or telephone)
• Rental agreement
• Passport
• Aadhaar Card
• Voter ID

Income Proof (any one)

• Salary slips (for salaried individuals)
• Income Tax Returns (ITR)
• Form 16
• Bank statements

1. Open the PhonePe app and navigate to the credit card section
2. Enter your phone number and PAN/date of birth for verification
3. Confirm your personal details
4. Select the PhonePe HDFC Bank Uno Credit Card
5. Submit your application and receive your card

Note: In certain cases, uploading documents and completing video KYC might be required.

Card Activation

You must activate the card within 37 days of issuance. Activation methods include:

• IVR: Call 1860 266 0333, enter your card number, validate via OTP, and set your PIN
• NetBanking: Log in to HDFC NetBanking, go to Cards, and select Change PIN
• WhatsApp Banking: Message "Manage My Credit Card" to 7070022222

The PhonePe HDFC Bank Uno Credit Card is an excellent starter credit card for PhonePe enthusiasts and digital payment users. Its low annual fee of Rs.499, which is effectively offset by welcome benefits and easily waivable through moderate spending, makes it risk-free to own.

The card delivers solid value for users who regularly transact on PhonePe for bill payments, recharges, and travel bookings (2% rewards), and also rewards spending on popular online brands like Amazon, Flipkart, and food delivery apps (1% rewards). The UPI Scan & Pay rewards add further utility for everyday transactions.

However, this card is not designed for premium users. It lacks airport lounge access, insurance coverage, and lifestyle benefits. For those features, consider the PhonePe HDFC Bank Ultimo or HDFC Regalia cards. Overall, the Uno is best suited for first-time credit card holders and PhonePe power users looking for an affordable, rewarding digital card.