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HDFC Bank
HDFC PhonePe Uno
RuPay
HDFC PhonePe Uno
PhonePe's entry co-brand RuPay card, earning 2% on PhonePe bill payments/recharges/travel and 1% on popular online brands and UPI Scan & Pay — sourced and serviced entirely through the PhonePe app.
Rates and fees last verified 14 September 2026.
Annual fee
₹499
Joining fee
₹499
Reward type
cashback
Base reward rate
1%
Card network
RuPay
Card tier
Entry
Reward rates by category
- Utilities2%
Eligibility
- Employment: salaried, self-employed
- Age: 21–65
Benefits
- 5 scratch cards worth ₹100 each on the first 5 UPI-on-Credit-Card transactions
- 1% fuel surcharge waiver at fuel stations
Pros
- + 2% back on PhonePe utility & travel spends
- + 1:1 CashPoint redemption against statement balance
- + Easy fee waiver on ₹1 lakh annual spend
Cons
- − Application only via the PhonePe app
- − Base rate on general spend is modest
Applying takes you to HDFC Bank's site. We may earn a commission if you're approved — see our disclaimer. Final terms and approval are solely at the issuer's discretion.