Rewards & Benefits :- 

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Welcome Benefits

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

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Rewards Rate

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

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Reward Redemption

1 Reward Point = ₹1 (Redemption Against Statement). 1 Reward Point = ₹0.30 When Redeemed for Airmiles, Product Catalogue or Smartbuy

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Fees & Charges :- 

Spend-Based Waiver

Renewal Fee Waiver on Annual Spends of ₹1 Lakh or More

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Rewards Redemption Fee

No Charges for Reward Point Redemption Against Statement

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Foreign Currency Markup

3.5% + GST

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Interest Rates

3.75% Per Month

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Fuel Surcharge

1% Waiver on Transactions Between ₹400 and ₹5,000 (Maximum ₹250 Each Statement Cycle)

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Cash Advance Charges

2.5% of the transaction amount, subject to a minimum fee of Rs. 500

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Product Details :- 

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• PhonePe HDFC Uno Credit Card is available on the RuPay network.

• Cardholders can earn 2% Rewards on bill payments, recharges, and more through PhonePe.

• Scan and Pay payments are eligible for 1% Reward Points.

• 1 Reward Point = ₹1.

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Pros/Cons :-

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Pros

• This card comes at an affordable price of ₹499.

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Cons

• There are no lifestyle perks, such as airport lounge access, offered with this card. This is primarily due to its low fees.

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