PhonePe HDFC Bank Uno
HDFC Bank · Checked 2026-10-11
PhonePe HDFC Bank Uno is a paid card focused on reward points, bills and online spending, charging ₹499 annually before GST.
CardIQ editorial view
Our take
PhonePe HDFC Bank Uno is a paid card focused on reward points, bills and online spending, charging ₹499 annually before GST.
Who it suits
- People who prioritise reward points.
- People who prioritise bills.
- People whose normal usage can recover the annual fee through relevant benefits.
Key strengths
- Reward Points on eligible PhonePe, UPI, utility, travel and online purchases.
Trade-offs to understand
- Reward Points on eligible PhonePe, UPI, utility, travel and online purchases; issuer caps, exclusions and redemption rules apply.
- The ₹499 annual fee plus GST needs to be justified by benefits you will actually use.
CardIQ verdict
It deserves a place on the shortlist when your normal spending makes reward points on eligible phonepe, upi, utility, travel and online purchases valuable enough to clear the fee. Factor in this condition: Reward Points on eligible PhonePe, UPI, utility, travel and online purchases; issuer caps, exclusions and redemption rules apply.
Compare before deciding
- AU Altura+ — A similarly priced alternative for comparing reward points and online spending.
- CRED IndusInd Bank RuPay — A similarly priced alternative for comparing reward points and online spending.
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Benefits, limits and conditions
- Reward Points on eligible PhonePe, UPI, utility, travel and online purchases; issuer caps, exclusions and redemption rules apply.
- Renewal fee reversal requires ₹1 lakh of qualifying annual spend.
- Benefits and eligibility remain subject to the current HDFC Bank product terms.