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HDFC Bank
Everyday rewards for PhonePe and UPI spends, at a low Rs.499 fee
One-time
Waived on ₹1,00,000/yr
Capped at ₹500/month
Score 700+
Applying takes you to HDFC Bank. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms structured from published copy
3 reward rates with their caps, taken from HDFC Bank’s own published wording rather than checked against its terms document. Verify before you rely on a figure.
See where each figure came fromBills
Pays up to ₹500 a month — reached at about ₹25,000 of spend
Online shopping
Pays up to ₹500 a month — reached at about ₹50,000 of spend
Everything else
Pays up to ₹500 a month — reached at about ₹50,000 of spend · nothing under ₹100
These rates share one ceiling: ₹7,500 a month across the card, not per category.
EMI transactions All exclusions
Data-driven verdict based on net earnings after fees and caps.
Key strength
2% on Bills — 2 Reward Points per Rs.100 on PhonePe app spends: recharges, utility/bill payments, movies, hotels, travel (flights/bus/train) and PhonePe Pincode. This 500-point cap is SHARED across all these PhonePe categories together, not per category., up to ₹500 per month.
Biggest limitation
Every reward bucket (PhonePe spends, select online brands, UPI Scan & Pay) is capped at 500 Reward Points per month EACH - heavy spenders hit the ceiling quickly with no way to earn more that month.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
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Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
2 pts
cappedBills
Pays up to ₹500 per month — reached at about ₹25,000 of spend.
2 Reward Points per Rs.100 on PhonePe app spends: recharges, utility/bill payments, movies, hotels, travel (flights/bus/train) and PhonePe Pincode. This 500-point cap is SHARED across all these PhonePe categories together, not per category.
1 pts
cappedOnline shopping
Pays up to ₹500 per month — reached at about ₹50,000 of spend.
1 Reward Point per Rs.100 on select brands: Amazon, Flipkart, Myntra, Ajio, Swiggy, Zomato, Uber. Capped at 500 points/month.
1 pts
cappedEverything else
Pays up to ₹500 per month — reached at about ₹50,000 of spend.
1 Reward Point per Rs.100 on UPI Scan & Pay transactions made via the card linked to PhonePe/UPI. Capped at 500 points/month; min Rs.100 transaction value.
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | ₹499 | — |
| Annual / renewal fee | ₹499 | Annual fee waived on spends of Rs.1,00,000 or more in the preceding year |
| Cash withdrawal | 2.5%, min ₹500 | 2.5% of amount withdrawn or Rs.500, whichever is higher |
| Late payment | Slab-based on outstanding balance, e.g. up to Rs.1,300 for balances over Rs.50,000 | — |
| Foreign currency markup | 3.5% | — |
Interest only applies if a balance is carried past the due date. Paying in full each month costs nothing, and no reward rate on this card comes close to offsetting the interest if you do not.
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
₹100
of one-time welcome value, on top of what you earn
Every year after
₹1,00,000 a year
is what it takes to keep the ₹499 fee off — about ₹8,333 a month
Not offered
1% waiver. 1% surcharge waiver on fuel transactions between Rs.400 and Rs.5,000; maximum waiver of Rs.250 per statement cycle
1% on UPI spends. RuPay card can be linked to UPI via the PhonePe app. UPI Scan & Pay spends earn 1 Reward Point per Rs.100, capped at 500 points/month
We do not have insurance & protection recorded for this card. Check the issuer's page before relying on it.
Welcome — once
₹100
quantified, and kept out of every recurring figure on CredSpy
Milestones — every year
None
no spend milestones are recorded
5 cashback vouchers worth Rs.100 each (delivered as scratch cards), one per 'UPI on Credit Card' transaction, for the first 5 UPI transactions via PhonePe HDFC Bank Uno Credit Card (min Rs.100 transaction value each; up to Rs.500 total). Applies to applications submitted on/after 1 Aug 2026, per HDFC Bank's official FAQ v2.2 (28 Jul 2026). Earlier applicants received a different structure - 50% of the joining fee (Rs.249) as a PhonePe gift card on the first UPI transaction, remainder as Rs.25 gift cards over the next 10 transactions - verify which applies to a given cardholder.
Only on ₹100 of spend. Miss it and the benefit does not arrive.
No spend milestones are recorded.
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
CredSpy never collects these. You submit them to the issuer during their own application.
No reviews yet
CredSpy publishes only reviews left by real cardholders. Nothing here is generated, bought or seeded — so this stays empty until someone who holds the card writes one.
HDFC BankMarriott Bonvoy HDFC Bank Credit Card₹3,540
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IDFC BANKIDFC FIRST Mayura Credit Card₹7,079
Indian Overseas BankIndian Overseas Bank ZET FD Credit CardLifetime free
RBL BankRBL Bank SalarySe UP Credit Card₹589
YES BANKYES Bank Rio RuPay Credit CardLifetime free| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| PhonePe HDFC Bank Uno Credit Card · this card | ₹499 | 2% bills | No |
| Marriott Bonvoy HDFC Bank Credit Card | ₹3,540 | Up to 8 reward points per ₹150 | Included |
| Suryoday SFB FD-Backed Credit Card | ₹177 | See card | No |
| IDFC FIRST Mayura Credit Card | ₹7,079 | Up to 10 reward points per ₹150 | Included |
| Indian Overseas Bank ZET FD Credit Card | Lifetime free | Up to 5% cashback | No |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
₹499 plus GST, waived on ₹1,00,000 of annual spend.
The strongest published rate is 2% on bills, capped at ₹500 per month — so roughly ₹25,000 of spend reaches the maximum on that tier. The calculator above prices your own basket with every cap and exclusion applied.
No — airport lounge access is not offered on this card.
Yes. RuPay card can be linked to UPI via the PhonePe app. UPI Scan & Pay spends earn 1 Reward Point per Rs.100, capped at 500 points/month
EMI transactions Fuel purchases Wallet loads Gift cards Cash advances Credit card bill payments Card fees and charges Government payments Rent payments Education fees Insurance Investments Jewellery purchases No points on EMI transactions, fuel, wallet loads, gift cards, cash advances, credit card bill payments, fees/charges, government payments, rent, education fees, insurance, investments, jewellery purchases
Cashback against outstanding statement balance (1 Reward Point = Re.1), capped at Rs.7,500 per calendar month, HDFC SmartBuy bookings (flights/hotels), Air miles transfer, HDFC Bank rewards product catalogue
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
PhonePe HDFC Bank Uno Credit Card — 2% on bills, up to ₹500 per month. ₹499 a year.