PhonePe HDFC Bank Uno Credit Card
An economical everyday co-branded card offering 2% cashback across utilities and recharges inside PhonePe, plus 1% on merchant UPI QR code scans. Its modest ₹499 fee is 100% reversed as a welcome voucher, making it a frictionless entry into RuPay credit payments.
Why We Recommend The PhonePe HDFC Bank Uno Credit Card
A practical, low-cost RuPay card tailored for daily Indian digital commerce with guaranteed rewards on QR scans.
Everyday PhonePe power users making frequent QR code UPI payments
Welcome Gift & Activation Benefits
* Welcome benefits are typically unlocked upon payment of the joining fee and initial card activation within 30 to 90 days.
Grofi Expert Rating
Our ratings assess real-world net reward yields after fee deductions, partner redemption flexibility, lounge conditions, and user transparency.
How Much Can You Save with the PhonePe HDFC Bank Uno Credit Card?
Adjust your expected monthly card spends to calculate your real annual rewards and net savings.
Includes flight & hotel bookings, partner brands (Amazon, Swiggy, Flipkart), dining, and online shopping.
* Reward Point Value: 1:1 direct redemption against PhonePe wallet / statement on statement credit or travel bookings.
Based on annual spending of ₹6,00,000.
Fees & Charges Breakdown for PhonePe HDFC Bank Uno Credit Card
Zero hidden costs. Complete fee schedule verified with HDFC Bank official guidelines.
One-time fee charged on the first statement
Billed annually starting from the 2nd year
Annual fee reversed upon crossing this spend milestone in the preceding card year
Charges applicable on foreign currency transactions and cross-border payments
Standard interest rate on revolving card balances
Fee on ATM cash withdrawals via credit card
From the first day of billing cycle till due date
Airport Lounge Privileges on the PhonePe HDFC Bank Uno Credit Card
Experience gourmet dining, quiet workspaces, and premium comforts before every flight.
No complimentary lounge access
Valid across 40+ domestic airport lounges including Mumbai (Adani), Delhi (Encalm), Bengaluru (080 Lounge), Hyderabad, Chennai, and Kolkata terminals.
Not available
Access over 1,300+ luxury airport lounges globally across Dubai, London Heathrow, Singapore Changi, New York JFK, Frankfurt, and Doha.
What Makes PhonePe HDFC Bank Uno Credit Card Stand Out?
Discover the top benefits, special offers, and protections engineered into this card.
Native linkage to PhonePe App for seamless QR code scan-and-pay
Zero fuel surcharge for fuel purchases between ₹400 and ₹5,000
Instant digital issuance directly inside the PhonePe application
Pros & Cons of the PhonePe HDFC Bank Uno Credit Card
An honest, transparent evaluation of strengths and limitations before you submit your application.
What We Love (Pros)
- Earn cashback on small everyday merchant QR payments
- Native integration into India’s largest UPI app
- Full joining fee refunded as voucher
Things to Consider (Cons)
- No airport lounge privileges
- Reward caps apply to category spends
Who Can Apply for the PhonePe HDFC Bank Uno Credit Card?
Review minimum income, credit score thresholds, and essential verification documents.
Net in-hand monthly or annual earnings
Primary applicant (18+ for add-ons)
With continuous employment proof
With valid Indian address proof
710+ Score Recommended
Applicants with a credit score of 710 or higher enjoy fast-tracked approval and preferential credit limits from HDFC Bank.
Documents Required
100% digital paperless verification via Video KYC. Keep these documents ready:
Identity & Address Proof
Aadhaar Card (linked with mobile number for OTP), Passport, Driving License, or Voter ID.
PAN Card
Mandatory physical or e-PAN copy required by RBI guidelines for all credit applications.
Proof of Income
Salaried: Last 3 months' salary slips or bank statements. Self-employed: Latest ITR computation.
Everything You Need to Know About PhonePe HDFC Bank Uno Credit Card
Clear answers to common questions regarding annual fees, reward redemption, lounge rules, and delivery.
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Ready to Apply for the PhonePe HDFC Bank Uno Credit Card?
Check your pre-approved credit limit and instant approval eligibility across HDFC Bank with 100% paperless verification and zero score impact.