All cards / HDFC Bank
HDFC PhonePe Uno
HDFC PhonePe Uno is PhonePe's entry-level co-brand RuPay card, sourced, serviced and managed entirely through the PhonePe app — it earns 2% back on PhonePe bill payments, recharges and travel bookings, plus 1% on other online brands and UPI Scan & Pay transactions. It's aimed at PhonePe's large existing user base who want their everyday app spend to start earning cashback without a separate banking relationship to manage.
Annual fee
₹499
Joining fee
₹499
Reward type
cashback
Base reward rate
1%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to applicants who clear the standard eligibility bar whose spend is concentrated in utilities, online shopping. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 1% base rate
Benefits by category
- 🧾 Utilities
2% reward rate
- ⛽ Fuel
1% fuel surcharge waiver at fuel stations across India, saving a small amount on every fuel transaction
Eligibility
- Minimum monthly income: ₹25,000
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹1,00,000
- Rewards redemption fee: CashPoints redeem 1:1 against statement balance at no charge
- Fuel surcharge waiver: 1% fuel surcharge waived on transactions between ₹400 and ₹1,00,000, capped at ₹250 per statement cycle
- Cash advance charges: 2.5% of the withdrawn amount or ₹500, whichever is higher; interest accrues from the date of withdrawal with no interest-free period
Benefits
- 5 scratch cards worth ₹100 each, awarded on completing the first 5 UPI-on-Credit-Card transactions made through the PhonePe app
- 1% fuel surcharge waiver at fuel stations across India, saving a small amount on every fuel transaction
Pros
- + 2% cashback on PhonePe utility bill payments, recharges and travel bookings
- + 1% back on UPI Scan & Pay transactions, extending rewards beyond typical card-only spend
- + CashPoints redeem 1:1 against the statement balance with no confusing conversion table
- + Entirely managed through the PhonePe app, convenient for existing PhonePe users
- + Easy fee waiver on ₹1 lakh of annual spend
Cons
- − Card can only be applied for through the PhonePe app, unlike HDFC's directly-issued cards
- − Base reward rate on general, non-PhonePe spend is a modest 1%
- − No lounge access or travel insurance at this entry tier
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