# PhonePe HDFC Bank Uno

HDFC Bank · RuPay. ₹499 fee · 3.5% forex · 1% on Scan & Pay (QR scan only, any UPI platform), cap 500 RP/mo · no base rate: other spends earn 0.

✓ official · checked 16 July 2026 · Source: https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/phonepe-hdfc-bank-uno-credit-card-/phonepe-hdfc-bank-uno-cc-faqs.pdf

## How it earns (3)

- 1% on Scan & Pay (QR scan only, any UPI platform), cap 500 RP/mo · no base rate: other spends earn 0 · cap 500 points per month · ✓ official · checked 16 July 2026
- 2% on PhonePe app Recharges, Utilities, Bill Payments and Travel, cap 500 RP/mo · only for txns made on the PhonePe app · cap 500 points per month · ✓ official · checked 16 July 2026
- 1% on online brands (Amazon, Flipkart, Myntra, Ajio, Uber, Swiggy, Zomato), cap 500 RP/mo · cap 500 points per month · ✓ official · checked 10 July 2026

## On gift vouchers

- Gift vouchers earn nothing on this card.

Worked out on a ₹10,000 voucher with no deal running. Card data current to 21 October 2026.
Every card on vouchers: https://voucher.getbrief.cards/best-cards-for-vouchers

## What earns nothing (2)

- No RP on wallet loads and gift cards
- No RP: EMI, fuel, wallet, gift cards, govt, rent, education, insurance, investments, jewellery, plus other categories at the bank's discretion

## Fees

- Annual fee: ₹499 + GST
  Waived at ₹1,00,000 spend per card year
- Forex markup: 3.5%
- DCC markup: 1.75%
- Earns: PhonePe HDFC Reward Points · ₹1 a point at baseline

## Dated changes (0)


Every change, dated: https://getbrief.cards/changes

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Fees are before GST. A rate that has aged says so. Brief is not a financial adviser and takes no fee from any bank for the order of this page.

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