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PhonePe HDFC Bank Uno Credit Card

PhonePe HDFC Bank Uno Credit Card is an entry-level RuPay card designed for everyday digital spends. Earn 2% rewards on PhonePe transactions, 1% rewards on popular brands, and 1% on all other spends. With a low joining fee, it suits regular UPI users seeking simple, consistent savings.

PhonePe HDFC Bank Uno Credit Card

About PhonePe HDFC Bank Uno Credit Card

PhonePe HDFC Bank Uno Credit Card is the entry-level option in HDFC Bank’s co-branded credit card portfolio with PhonePe. The card offers enhanced rewards on eligible PhonePe transactions such as mobile recharges, utility payments, movie bookings, hotel stays, and travel-related spends. Alongside this, users earn standard rewards on well-known online platforms like Amazon, Flipkart, Myntra, Ajio, Swiggy, Zomato, and Uber, covering everyday spending needs across shopping, food delivery, travel, and entertainment.

The card is mainly focused on driving value through the PhonePe ecosystem. However, reward earnings are subject to monthly limits across categories, and offline or in-store transactions do not qualify for reward points, which reduces its overall earning potential. Additionally, the welcome benefit is distributed across multiple transactions in the form of smaller PhonePe vouchers, instead of a single upfront reward.

Like the higher variant, the Uno Credit Card supports reward earnings on UPI payments. That said, it does not include premium privileges such as airport lounge access or lifestyle benefits, keeping the offering fairly basic. As a result, the card is best suited for first-time credit card users or those looking for a simple RuPay card with modest rewards on digital and UPI spends.

Note: This credit card is not available on Paisabazaar. The information provided here is for reference only. To apply or show interest, please visit the official HDFC Bank website.

Rewards Structure

Earning Rewards

  • Up to 2% Value Back: Earn higher reward points on eligible PhonePe transactions such as mobile recharges, utility and bill payments, movie bookings, hotel stays, travel services, and spends made via PhonePe PINCODE or Travel Switch. Monthly reward limits apply.

  • Up to 1% on Partner Brands: Receive standard rewards on popular online platforms including Amazon, Flipkart, Myntra, Ajio, Swiggy, Zomato, and Uber, subject to a monthly cap.

  • Up to 1% on UPI Payments: Collect base reward points on Scan & Pay transactions, within the defined monthly ceiling.

Using Your Rewards

  • Each reward point can be redeemed as cashback at full value and adjusted against the card statement.

  • Alternatively, points may be used for flight and hotel bookings or products through HDFC SmartBuy, Airmiles, or the rewards catalogue at a lower conversion rate.

Other Features & Benefits

Welcome Offers

  • Receive a PhonePe voucher worth ₹249 after completing your first eligible UPI transaction.

  • Earn additional PhonePe vouchers worth ₹25 each across your next set of UPI payments, covering the remaining joining fee value.

Annual Fee Reversal

  • The card’s renewal charge is waived when yearly card spending crosses the specified annual threshold.

Fuel Savings

  • Get a 1% fuel surcharge refund on eligible fuel purchases, capped monthly, for transactions within the defined fuel spend range.

PhonePe HDFC Bank Uno Credit Card Reward Points & Cashback Calculator

Reward Points Calculator

PhonePe HDFC Bank Uno Credit Card: Fees & Charges

Fee Type Amount
Joining Fee Rs. 499 + Applicable Taxes
Annual Fee Rs. 499 + Applicable Taxes
Finance Charges 3.75% p.m. | 45% p.a.
Late Payment Charges
On outstanding balance of:
Up to Rs. 100 Nil
Rs. 101 to Rs. 500 Rs. 100
Rs. 501 to Rs. 1,000 Rs. 500
Rs. 1,001 to Rs. 5,000 Rs. 600
Rs. 5,001 to Rs. 10,000 Rs. 750
Rs. 10,001 to Rs. 25,000 Rs. 900
Rs. 25,001 to Rs. 50,000 Rs. 1,100
More than Rs. 50,000 Rs. 1,300

Things to Know Before You Apply

This card is a good fit if:

  • You regularly use PhonePe for mobile recharges, bill payments, and travel-related bookings.

  • Most of your spending happens on popular online platforms such as Amazon, Flipkart, Myntra, and similar brands.

  • You want a beginner-friendly credit card that provides rewards on UPI transactions.

  • You prefer converting earned reward points into direct cashback.

Steps to Close PhonePe HDFC Bank Uno Credit Card

If you want to close your PhonePe HDFC Bank Uno Credit Card, it is important to follow the correct process provided by HDFC Bank to ensure a smooth and secure closure.

Contact Customer Care

  • Call HDFC Bank customer care using the number mentioned on the back of your credit card or the official website
  • Follow the IVR instructions and select the credit card services option
  • Connect with a customer care executive for assistance with card closure

Follow the Closure Process

  • Request the executive to initiate your credit card closure
  • You may also be guided through the IVR system for submitting the request
  • Carefully follow all instructions provided to complete the process

Verify Your Details

  • You will need to confirm your identity by providing
    • Full name
    • Registered mobile number
    • Last four digits of your credit card
    • Any additional verification details if required

Confirm Closure Request

  • After verification, confirm your closure request
  • Ensure that all outstanding dues are cleared before final approval
  • The bank may take a few working days to process your request

Important Points

  • Clear all pending payments including EMIs, interest, and other charges
  • Redeem all reward points or benefits before closing the card, as they may expire afterward
  • Avoid using the card after submitting the closure request
  • Request confirmation via SMS or email once the closure is processed

After Card Closure

  • Cut the card diagonally across the chip and magnetic strip
  • Check your credit report after a few weeks to ensure the status is updated as “Closed”
  • Report any discrepancy to the bank immediately

PhonePe HDFC Bank Uno Credit Card Helpline Number

If you need assistance related to your PhonePe HDFC Bank Uno Credit Card, you can contact the HDFC Bank customer support team. They provide support for billing queries, payments, card blocking, reward points, and other credit card services.

Customer Care Numbers (India)

These numbers can be used for all types of credit card-related queries across India.

International Support

  • Overseas Helpline: +91-22-6160 6161
  • This number can be used when calling from outside India

Email Support

Availability

  • Customer support for general queries is available during working hours
  • Emergency services such as card blocking are available 24×7

Services Available

  • Assistance with billing and statement-related queries
  • Support for payments and outstanding dues
  • Help with reporting lost or stolen credit cards
  • Card blocking, replacement, or reissue requests
  • Guidance for credit card closure or cancellation

Important Points

  • Keep your registered mobile number and card details ready for verification
  • Do not share confidential information such as OTP, PIN, or CVV
  • Always use official HDFC Bank contact details to avoid fraud
  • Immediately report any suspicious or unauthorized transactions

FAQs

What is the application process for the PhonePe HDFC Bank Uno Credit Card?

This credit card can be applied for exclusively through the PhonePe mobile app. Applicants must complete the digital application and upload the required documents. Applications are not accepted via bank branches or HDFC Bank’s website.

Yes, despite being co-branded with PhonePe, the card can be linked to other supported UPI apps such as Google Pay, Paytm, BHIM, and similar platforms for UPI payments.

Yes, reward points come with a limited validity period. Points earned are valid for one year from the date of accrual, after which they lapse if not redeemed.

No, fuel spends do not earn reward points. Additionally, rewards are not applicable on certain categories such as EMI conversions, wallet loading, gift card purchases, cash withdrawals, card charges, government payments, rent, education fees, insurance, investments, and jewellery spends.

Yes, accumulated reward points can be converted into cashback at full value and adjusted against the card statement. There is no processing or redemption fee for cashback conversion.