PhonePe HDFC Bank Uno Credit Card

Annual feeJoining fee

₹499 + GST

Fee waiver rule

Annual Year Fee waived upon spending ₹1,00,000 in the previous year.

Add-on card fee

₹0

Welcome benefit

Get 5 Scratch cards worth ₹100 each for the first 5 UPI on Credit Card transactions.

Reward rate

1% Reward Points on All Scan & Pay spends.

Fuel earning

No reward points will be given for fuel.

Government spend earning

No reward points will be given for government payments.

Insurance spend earning

No reward points will be given for insurance.

Online earning

1% Reward Points on Select Online Brands – Amazon, Flipkart, Myntra, Ajio, Swiggy, Zomato, Uber, capped at 500 Reward Points per calendar month.

Rent earning

No reward points will be given for rental transactions.

Travel earning

2% Reward Points on Select PhonePe categories (Recharges, Utilities, Bill Payments and Travel)

Utilities earning

2% Reward Points on Select PhonePe categories (Recharges, Utilities, Bill Payments and Travel) – Capped at 500 reward points per calendar month.

Reward exclusions

No reward points will be given for EMI transactions, fuel, wallet load, gift cards, cash advances, credit card bill payments, charges, government payments, rental transactions, education fees, insurance, investments, jewelry purchases.

Reward caps

Up to 1500 Reward Points per month on everyday spends

Cashback redemption

As cashback in the statement against their outstanding credit card balance through HDFC Bank Netbanking portal; Maximum cashback redemption of ₹7,500 per calendar month

Catalogue redemption

1 Reward Point = Re.0.3 of SmartBuy (Flights/Hotels; Airmiles & Product Catalogue)

Flight redemption

1 Reward Point is equivalent to Re.0.3 of SmartBuy (Flights/Hotels, Airmiles & Product Catalogue)

Hotel redemption

For flight and hotel bookings, Credit Card members can redeem up to a maximum of 70% of the booking value through Reward Points /CashPoints.

Statement-credit redemption

1 Reward Point is equivalent to Re.1 when redeemed as cashback against statement credit.

Point expiry

Unredeemed Reward Points will expire/lapse after 2 years from the date of accumulation.

Smallest number of points that can be redeemed

500 Reward Points (minimum Reward Point balance required for redemption against the statement balance)

What one reward unit is worth

1 Reward Point = Re.1 when redeemed as cashback against statement credit; 1 Reward Point = Re.0.3 on SmartBuy (Flights/Hotels, Airmiles & Product Catalogue)

Fuel surcharge waiver

1% fuel surcharge waiver on fuel transactions (Min ₹400, Max ₹5,000 transaction; Max cashback ₹250 per statement cycle)

Surcharge on railway tickets

1% of the transaction amount + GST on Railway Ticket Purchases (refer IRCTC website for detailed fee structure); applicable for all cards other than IRCTC

Lost card liability

Zero Cost Card Liability on fraudulent transactions if reported immediately to HDFC Bank's 24-hour Call Centre.

Balance transfer terms

1% of BT amount or ₹250, whichever is higher.

Forex markup

3.5% on foreign currency transactions.3.5% of the transaction value

Dynamic currency conversion markup

Dynamic currency conversion currency conversion Markup Fee: With effect from 15th May 2026, a Markup fee of 1 .75 % will be levied on all transactions carried out in Indian Currency at an international location or at merchants which are located in India but registered overseas.

Cash advance fee

2.5% or ₹500 whichever is higher.

Cash advance interest

All cash advances also carry a finance charge equal to charges on revolving credit, from the date of withdrawal until the date of full payment

Cash withdrawal limit

Cash withdrawal limit: 40% of the Credit Limit.

Interest on unpaid balance

3.75% per month (i.e., 45% per annum)

Interest-free period

Interest free credit period could range from 20 to 50 days, subject to the scheme applicable on the specific Credit Card and the submission of claims by the merchant

Late payment fee

Nil to ₹1,300 (excl. GST), by bill amount

Over-limit fee

No over limit facility is provided.

Payment return or dishonour fee

2% of Payment amount subject to minimum of ₹450 (applicable for cheque payment return or unsuccessful payment attempt through Autopay facility)

Statement or duplicate statement fee

₹10 per duplicate physical statement.

Card replacement fee

₹199 for non-metal cards; ₹3,500 for metal cards (reissue of lost, stolen or damaged card)

Cash payment / cash deposit fee

Cash Processing Fee: ₹100 (for all card payments made by depositing in HDFC Bank branches or ATMs)

Education / school fee charge

1% fee on education transactions done through third party applications like (but not limited to) CRED, Nobroker, Cheq etc., capped at ₹4999 per transaction; education transactions done directly through college / school websites or through POS machines at their premises, and international education transactions, will not be charged.

EMI conversion fee

Smart EMI processing fee upto ₹849 (exclusive of GST for all loan amounts), depending on the customer’s eligibility/offer details; EasyEMI processing fee: an EMI processing fee of upto ₹299 for customers availing EMI facility at merchant

Fee for paying the bill by cheque

2% of the payment amount (minimum ₹450)

Fee on online skill-based gaming spends

1% fee on Online Skill based gaming spends exceeding ₹10,000 in a calendar month, applied on the total Online skill-based gaming spends in a calendar month; fee capped at ₹4999 per month.

Foreign ATM fee

Cash from ATMs in India or abroad: transaction fee of 2.5% or ₹500, whichever is higher, levied on the amount withdrawn and billed in the next statement.

Reward redemption fee

If the cardholder opts for redemption as Cashback against statement, there will be no redemption fee levied.

Wallet load charge

From 1st July 2025, 1% fee on wallet loading spends (excl PayZapp) exceeding ₹10,000 in a calendar month; fee applied on the total wallet loading spends in the calendar month; fee capped at ₹4999 per month

Fuel transaction fee

1% fee on fuel transactions exceeding ₹15,000 for consumer cards (₹30,000 for business cards), applied on the total transacted amount; fee capped at ₹4999 per transaction.

Rent transaction fee

1% fee on transaction amount on rental transactions done on any applicable merchant for the month; fee capped at ₹4999 per transaction.

Utility transaction fee

1% fee on utility spends exceeding ₹50,000 per calendar month for consumer cards (₹75,000 per calendar month for business cards), applied on the total utility spends in a calendar month; fee capped at ₹4999 per month.

GST note

GST is applicable on all Fees, Interest, and other Charges

Minimum amount due

Total GST + EMI amount + 100% of Fees/Charges + 5% of (Finance Charge + Retail Spends + Cash Advance); if that 5% is less than the Finance Charge, 100% of Finance Charges + 5% of (Retail Spends + Cash Advance); plus Overlimit Amount (if any)

Income, salaried

Gross Monthly Income > ₹25,000.

Income, self-employed

₹26 lakh per annum

Minimum age

21 years

Documents required

Identity Proof: Passport, Aadhaar card, Voter ID, Driving licence, PAN card, Passport size photograph; Address Proof: Utility bills, Rental agreement, Passport, Aadhaar card, Voter ID; Income Proof: Salary slips, ITR, Form 16, Bank statements.

Residency

Indian