PhonePe HDFC Bank Ultimo Credit Card VS PhonePe HDFC Bank Uno Credit Card
Both PhonePe HDFC Bank Ultimo Credit Card and PhonePe HDFC Bank Uno Credit Card suit utilities-focused spenders, but they earn and cost differently. PhonePe HDFC Bank Ultimo Credit Card costs ₹999 + GST and earns up to 10% Reward Points on PhonePe categories; 5% on select online brands; 1% on Scan & Pay. PhonePe HDFC Bank Uno Credit Card costs ₹499 + GST and earns 2% RP on PhonePe utilities/travel, 1% RP on select online brands & UPI Scan & Pay. PhonePe HDFC Bank Ultimo Credit Card also brings 8 complimentary annual domestic lounge access, 2 per quarter, on ₹75,000 quarterly spend, while PhonePe HDFC Bank Uno Credit Card counters with phonePe Gift card worth ₹249 & 10 scratch cards worth ₹25 each on initial UPI transactions. If travel spending matters more, go with PhonePe HDFC Bank Ultimo Credit Card; if shopping is the priority, PhonePe HDFC Bank Uno Credit Card fits better.
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
PhonePe HDFC Bank Ultimo Credit Card
PhonePe HDFC Bank Uno Credit Card
Who is it for?
Who is it for?
Pros
Key benefits and features.
High reward rates (up to 10%) on specific PhonePe categories and online brands.
Enjoy excellent cashback redemption value, where 1 Reward Point equals ₹1 against statement credit.
Benefit from 8 complimentary domestic airport lounge accesses annually, enhancing travel comfort.
Receive a 1% fuel surcharge waiver on transactions at petrol pumps across India.
Offers Zero Cost Card Liability, protecting against fraudulent transactions if reported promptly.
Pros
Key benefits and features.
Strong 2% reward rate on essential PhonePe categories like utilities, recharges, and travel.
Earn rewards on UPI Scan & Pay transactions, aligning with modern digital payment trends.
Receive valuable welcome benefits, including a PhonePe Gift card, for initial UPI transactions.
Annual fee is easily waived by spending a reasonable ₹1,00,000 in the previous year.
Benefit from a 1:1 redemption value when converting reward points to statement cashback.
Cons
Key drawbacks and limitations.
Reward points are capped monthly for all high-earning categories.
Lounge access is conditional on a quarterly spend threshold (₹75,000).
Welcome benefits are conditional on the joining fee being applicable.
Annual fee waiver requires a significant annual spend (₹2,00,000).
Reward points on PhonePe PINCODE are time-limited (until 5th Dec’25).
Cons
Key drawbacks and limitations.
Reward points are capped at 500 per category monthly, which limits benefits for high spenders.
The redemption value for SmartBuy (Re.0.3) is significantly lower than cashback (Re.1).
Applying for the PhonePe HDFC Bank Uno Credit Card is exclusively through the PhonePe app.
There is no explicit information regarding international transaction benefits or charges.
Key details like interest rates and other common credit card charges are not provided.