Welcome Benefit: Credit cardholders will get a free gift card worth INR 500. 50% of the Joining Fee (INR 249) will be given back as the PhonePe Gift card on the first Rupay credit card on UPI transaction and the remaining 50% to be spread over next 10 RuPay credit card on UPI transactions (INR 25 each) will be given as PhonePe Gift Card.
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PhonePe HDFC Bank Uno Credit Card
Rewards & Benefits
Welcome Benefits
Welcome Benefit: Credit cardholders will get a free gift card worth INR 500. 50% of the Joining Fee (INR 249) will be given back as the PhonePe Gift card on the first Rupay credit card on UPI transaction and the remaining 50% to be spread over next 10 RuPay credit card on UPI transactions (INR 25 each) will be given as PhonePe Gift Card.
Milestone Benefits
None.
Cashback Rate
Value of 1 reward point = INR 1.
2 Reward points on Phonpe spends and Pincode (hyperlocal delivery app) spends such Recharges, Bill Payments, Insurance, Flights, Hotels, Pincode (a hyperlocal delivery app) & more.
PhonePe Pincode Cashback Rate: 2%.
1 reward points on spend of INR 100 on Swiggy, Zomato, Uber, Myntra , Nykaa, BookMyShow, MakeMyTrip, Blinkit, District, Zepto, Rapido + 1000 brands.
Special Cashback Rate: 1%. 1 reward point on all scan and pay spends.
UPI Cashback Rate: 1%.
Movie Benefits
1 reward points on spend of INR 100 on Swiggy, Zomato, Uber, Myntra , Nykaa, BookMyShow, MakeMyTrip, Blinkit, District, Zepto, Rapido + 1000 brands. Special Cashback Rate: 1%.
Dining Benefits
1 reward points on spend of INR 100 on Swiggy, Zomato, Uber, Myntra , Nykaa, BookMyShow, MakeMyTrip, Blinkit, District, Zepto, Rapido + 1000 brands. Special Cashback Rate: 1%
Other Benefits
Annual fee reversal on credit card spends of INR 1 Lakhs or more in a calendar year.
Lounge Access
None.
Rewards & Benefits
Welcome Benefits
Welcome Benefit: Credit cardholders will get a free gift card worth INR 500. 50% of the Joining Fee (INR 249) will be given back as the PhonePe Gift card on the first Rupay credit card on UPI transaction and the remaining 50% to be spread over next 10 RuPay credit card on UPI transactions (INR 25 each) will be given as PhonePe Gift Card.
Milestone Benefits
None.
Cashback Rate
Value of 1 reward point = INR 1.
2 Reward points on Phonpe spends and Pincode (hyperlocal delivery app) spends such Recharges, Bill Payments, Insurance, Flights, Hotels, Pincode (a hyperlocal delivery app) & more.
PhonePe Pincode Cashback Rate: 2%.
1 reward points on spend of INR 100 on Swiggy, Zomato, Uber, Myntra , Nykaa, BookMyShow, MakeMyTrip, Blinkit, District, Zepto, Rapido + 1000 brands.
Special Cashback Rate: 1%. 1 reward point on all scan and pay spends.
UPI Cashback Rate: 1%.
Movie Benefits
1 reward points on spend of INR 100 on Swiggy, Zomato, Uber, Myntra , Nykaa, BookMyShow, MakeMyTrip, Blinkit, District, Zepto, Rapido + 1000 brands. Special Cashback Rate: 1%.
Dining Benefits
1 reward points on spend of INR 100 on Swiggy, Zomato, Uber, Myntra , Nykaa, BookMyShow, MakeMyTrip, Blinkit, District, Zepto, Rapido + 1000 brands. Special Cashback Rate: 1%
Other Benefits
Annual fee reversal on credit card spends of INR 1 Lakhs or more in a calendar year.
Lounge Access
None.
Fees & Charges
Joining Fee
INR 499 + taxes
Annual Fee
INR 499 + taxes
Cash Advance Fee
Cash advance fee: 2.5% or INR 500 whichever is higher.
Interest rate
Interest rate: 3.75% monthly, 45.0% annually.
Late Payment Fee
Late payment charges: INR 100 to 1300.
Foreign Currency Transactions Fee
3.5%
Other Fees
Reward Redemption Fee: INR 99
Fees & Charges
Joining Fee
INR 499 + taxes
Annual Fee
INR 499 + taxes
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
Interest rate: 3.75% monthly, 45.0% annually.
Late Payment Fee
Late payment charges: INR 100 to 1300.
Foreign Currency Transactions Fee
3.5%
Other Fees
Reward Redemption Fee: INR 99
Special Features
None.
Eligibility Criteria
Age: You must be minimum 21 and maximum 70 years old.
Income: You must have a stable source of income.
Credit score: A good credit score is generally required.
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
1. Online Application:
Visit the HDFC Bank website: https://applyonline.hdfcbank.com/cards/credit-cards.html
Select the PhonePe HDFC Bank Ultimo Credit Card option.
Provide the required personal and financial information.
Upload necessary documents.
Submit the application.
2. Visit HDFC Bank Branch:
Visit your nearest HDFC Bank branch.
Request an application form for the Biz Power Credit Card.
Fill in the required details and submit it along with the necessary documents.
Contact Details
N/A
Account Opening and Procedure
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Application Procedure
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai