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PhonePe HDFC Bank Uno Credit Card VS PhonePe SBI Card PURPLE

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
Verified
Last updated: 3 May 2026

Both PhonePe HDFC Bank Uno Credit Card and PhonePe SBI Card PURPLE suit shopping-focused spenders, but they earn and cost differently. 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 SBI Card PURPLE costs ₹499 + GST and earns 3 Reward Points on ₹100 PhonePe spends, 2 Reward Points on ₹100 online spends, 1 Reward Point on ₹100 other spends. PhonePe HDFC Bank Uno Credit Card also brings phonePe Gift card worth ₹249 & 10 scratch cards worth ₹25 each on initial UPI transactions, while PhonePe SBI Card PURPLE counters with welcome PhonePe Gift Card worth ₹500. If utilities spending matters more, go with PhonePe HDFC Bank Uno Credit Card; if travel is the priority, PhonePe SBI Card PURPLE fits better.

PhonePe HDFC Bank Uno Credit Card
PhonePe HDFC Bank Uno Credit Card
PhonePe SBI Card PURPLE
PhonePe SBI Card PURPLE

Fees & Charges

Joining Fee₹499 + GST
Joining Fee₹499 + GST
Renewal Fee₹499 + GST
Renewal Fee₹499 + GST
Spend Based WaiverAnnual fee waived on spending ₹1,00,000 in the previous year.
Spend Based WaiverAnnual Fee Reversal on spends of ₹1 lakh or more in the previous membership year.
Foreign Transaction Fees
Foreign Transaction Fees
Interest Rate (APR)
Interest Rate (APR)

Rewards & Benefits

Welcome BonusPhonePe Gift card worth ₹249 & 10 scratch cards worth ₹25 each on initial UPI transactions.
Welcome Bonuswelcome PhonePe Gift Card worth ₹500
Rewards RateEarn 2% RP on PhonePe utilities/travel, 1% RP on select online brands & UPI Scan & Pay.
Rewards Rate3 Reward Points on ₹100 PhonePe spends, 2 Reward Points on ₹100 online spends, 1 Reward Point on ₹100 other spends.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption FeeNo redemption fee for cashback against statement credit.
Reward Redemption Fee

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge Access
International Lounge Access
International Lounge Access
Travel BenefitsEarn 2% RP on PhonePe travel bookings; redeem points for flights/hotels via SmartBuy.
Travel BenefitsYatra voucher worth ₹3,000 on annual spends of ₹3 lakhs.
Movie Benefits
Movie Benefits
Dining Benefits1% Reward Points on spends with Swiggy and Zomato.
Dining Benefits
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% waiver on fuel (₹400-₹5000 transactions), capped at ₹250 per statement cycle.
Fuel Surcharge Waiver1% waiver on transactions between ₹500 and ₹3,000. Max waiver ₹100 per statement cycle.

Security & Other

Insurance BenefitsZero Cost Card Liability for fraudulent transactions if reported promptly.
Insurance Benefits
Cash Advance Charges
Cash Advance Charges
Apply Now(opens in new tab)
Apply Now(opens in new tab)
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

PhonePe HDFC Bank Uno Credit Card

PhonePe SBI Card PURPLE

Who is it for?

The PhonePe HDFC Bank Uno Credit Card, on the Rupay network, is tailored for active PhonePe users and digital spenders. It offers strong rewards, including 2% on PhonePe categories like utilities and travel, plus 1% on online brands and UPI Scan & Pay. New users enjoy valuable welcome benefits, and the annual fee is easily waived. Ideal for maximizing returns on everyday digital transactions, though high spenders should note the monthly reward caps.

Who is it for?

The PhonePe SBI Card PURPLE is designed for digitally-savvy users who frequently transact on the PhonePe app and make online purchases. It offers a strong 3% value back on PhonePe spends and a valuable ₹3,000 Yatra voucher on ₹3 lakhs annual spend. Cardholders also receive a welcome PhonePe Gift Card worth ₹500 and can easily waive the annual fee with ₹1 lakh in yearly spending. This card is ideal for maximizing rewards from everyday digital transactions and achieving significant milestone benefits.

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.

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.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for PhonePe HDFC Bank Uno Credit Card(opens in new tab)Apply for PhonePe SBI Card PURPLE(opens in new tab)