PhonePe HDFC Bank Uno Credit Card

Renewal fee

• ₹1 lakh per annum spend for waiver of renewal fee (spends exclusions given below).
• No waiver on Joining Fee.

Verified · PhonePe HDFC Bank Uno Credit Card — governing document (side-door search) · 2026-08-14 · source

Reward cap

• Insurance transactions: max cap of 2000 Reward Points per month (all other credit cards, w.e.f 1st July 2025).
• Grocery transactions capped at 1000 reward points per month.
• Utility transactions capped at 2000 Reward Points per calendar month (w.e.f 1st September 2024).
• Telecom transactions capped at 2000 Reward Points per calendar month.
• Credit Card purchases via UPI mode earn up to a maximum of 500 points in a calendar month.

Verified · mitc · 2026-08-14 · source

Reward exclusion

Verified · mitc · 2026-08-14 · source

Lounge access

Confirm on the official page

Welcome benefit

Confirm on the official page

Forex markup

3.5% of transaction value on Foreign Currency Transactions.

Verified · mitc · 2026-08-14 · source

Charge

• Cash advance fee: 2.5% or ₹500 whichever is higher.
• Charges on overlimit account: not applicable (no over limit facility).
• Payment Return Charges: 2% of payment amount subject to minimum of ₹450.
• Cash Processing Fee: ₹100.
• Rewards Redemption Fee: ₹99 per redemption request.
• Cashback Redemption Charges: excluded (w.e.f 1st August'24).
• Balance Transfer Processing: 1% of BT amount or ₹250 whichever is higher.
• Duplicate physical statement: ₹10.
• Rent Pay: 1% fee on rental transactions, capped ₹4999 per transaction (w.e.f 1st July 2025).
• Card Validation: ₹2.
• Reissue of Lost/Stolen/Damaged Card: ₹199 non-metal.
• Add-on Card Fee: Lifetime Free.
• Fuel Charges: 1% fee on fuel transaction exceeding ₹15,000 (consumer cards), capped ₹4999 per transaction.
• Utility Charges: 1% fee on utility spends exceeding ₹50,000 per calendar month (consumer), capped ₹4999 per month.
• Education Charges: 1% fee on education via third party apps, capped ₹4999 per transaction.
• Dynamic currency conversion Markup Fee: 1.75% w.e.f 15th May 2026.
• Online Skill based Gaming: 1% fee on spends exceeding ₹10,000 per calendar month (w.e.f 1st July 2025), capped ₹4999.
• Wallet Loading (excl PayZapp): 1% fee on spends exceeding ₹10,000 per calendar month (w.e.f 1st July 2025), capped ₹4999.
• Global Value Program: ₹199+GST annual.
• Over Limit charges excluded for this card. | Dynamic currency conversion Markup Fee: 1.75% will be levied on all transactions carried out in Indian Currency at an international location or at merchants located in India but registered overseas (w.e.f 15th May 2026) | Late Payment Charges (excl. GST) by outstanding balance (w.e.f 1st August'24): Less than or equal to ₹100: Nil.
• ₹101 to ₹500: ₹100.
• ₹501 to ₹1,000: ₹500.
• ₹1,001 to ₹5,000: ₹600.
• ₹5,001 to ₹10,000: ₹750.
• ₹10,001 to ₹25,000: ₹900.
• ₹25,001 to ₹50,000: ₹1100.
• More than ₹50,000: ₹1300.

Verified · mitc · 2026-08-14 · source

Fuel surcharge waiver

• 1% fuel surcharge waiver on minimum transaction of ₹400 & maximum transaction of ₹5000.
• Maximum waiver of ₹250 per statement cycle.

Verified · mitc · 2026-08-14 · source

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.
• Not applicable if previous month's balance is not cleared in full or if cash was availed from ATM.

Verified · mitc · 2026-08-14 · source

finance charge

3.75% per month (45.0% annually).

Verified · mitc · 2026-08-14 · source

Official terms

https://www.hdfc.bank.in/credit-cards/phonepe-hdfc-bank-uno-credit-card.

Verified · PhonePe HDFC Bank Uno Credit Card product page · 2026-08-14 · source