PhonePe HDFC Bank Ultimo Credit Card VS PhonePe HDFC Bank Uno Credit Card VS PhonePe SBI Card PURPLE VS PhonePe SBI Card SELECT BLACK
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
PhonePe HDFC Bank Ultimo Credit Card
PhonePe HDFC Bank Uno Credit Card
PhonePe SBI Card PURPLE
PhonePe SBI Card SELECT BLACK
Who is it for?
Who is it for?
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.
Pros
Key benefits and features.
Enjoy a high reward rate of 3% on all eligible PhonePe spends, maximizing value.
Receive a valuable milestone benefit: a ₹3,000 Yatra voucher on ₹3 lakhs annual spend.
Benefit from a welcome PhonePe Gift Card worth ₹500, adding immediate value upon joining.
The annual fee is easily waived on a reasonable annual spend of just ₹1 lakh.
Enhanced security features with Chip and PIN technology protect your transactions effectively.
Pros
Key benefits and features.
Earn a high reward rate of 10 Reward Points per ₹100 on eligible PhonePe spends.
Receive a valuable PhonePe e-Gift Card worth ₹1,500 as a welcome benefit.
Benefit from a significant Yatra e-Voucher worth ₹5,000 on annual spends of ₹5 lakhs.
Enjoy comprehensive lounge access with 4 complimentary domestic visits and Priority Pass international membership for two years.
The annual fee can be reversed on achieving a reasonable spend threshold of ₹3 lakhs.
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.
Cons
Key drawbacks and limitations.
Lack of explicit details on interest rates, foreign currency markup, and other common charges.
No explicit mention of lounge access or other premium travel/lifestyle benefits.
Reward earning caps are not specified for any category, leading to uncertainty.
The term 'eligible' spends implies unstated exclusions for reward earning.
Cons
Key drawbacks and limitations.
The complimentary international lounge access (Priority Pass) is limited to the first two years.
The annual fee is not waived for the first year, only reversed from the second year onwards.
No specific benefits are mentioned for dining, movies, or golf, which might be a drawback for some users.
Reward points are earned on "eligible" spends, implying certain exclusions may apply.
The reward redemption value is fixed at 1 RP = Re. 1, which may offer less flexibility compared to other cards.