PHRuPay
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Phonepe HDFC Bank UnoHDFC Bank
Fees & charges
| Joining fee | ₹499 + applicable taxes (levied within 60 days of card issuance) |
|---|---|
| Annual / renewal fee | ₹499 + applicable taxes |
| Renewal-fee waiver | ₹1 lakh annual spend (renewal/annual fee waived; cash advances, card fees/charges, all EMI spends excluded from waiver calc) |
| Network | RuPay RuPay ("Powered by the Rupay platform"; supports UPI linking for QR/P2M merchant payments) |
Rewards & benefits
| Reward rate | 2% Reward Points on select PhonePe categories (recharges & bills, travel & stays: flights/bus/trains/hotels); 1% on select online brands (Amazon, Flipkart, Myntra, Ajio, Uber, Swiggy, Zomato); 1% on all Scan & Pay (RuPay CC on UPI) spends. Each category capped at 500 RP/calendar month. 1 RP = Re.1 as statement cashback (Re.0.3 on SmartBuy) |
|---|---|
| Welcome benefit | Effectively the ₹499 joining fee returned via PhonePe: ₹249 PhonePe Gift Card on first RuPay-CC-on-UPI txn (min ₹100), plus ₹25 scratch cards each on the next 10 RuPay-CC-on-UPI PhonePe payments (total ₹250) |
| Lounge access | Not stated on HDFC's page |
| Key benefits | RuPay UPI-linkable co-branded card: 2% RP on PhonePe bills/travel, 1% on major online brands and all UPI scan-and-pay, 1 RP = ₹1 statement cashback; ₹499 joining fee effectively refunded via PhonePe welcome vouchers; 1% fuel surcharge waiver (₹400-₹5,000, max ₹250/cycle) |
Eligibility & status
| Eligibility / income | Salaried: gross monthly income > ₹25,000, age 21-60; Self-employed: income ₹26 lakh p.a., age 21-65 (Indian nationals; per HDFC hdfc.bank.in listing) |
|---|---|
| Status note | active; application only through the PhonePe app (no offline/HDFC-website application) |
Sources compared — HDFC's MITC (PDF) vs the card's microsite
Every fact is shown from both of HDFC's own sources so you can verify it yourself — the MITC PDF ↗ (the binding fee document) and the product microsite ↗. Nothing is omitted or paraphrased.
| Fact | 📄 MITC PDF | 🔗 Microsite | |
|---|---|---|---|
| Joining / annual fee | ₹ 499 + Applicable taxesMITC v4.3, fee table L674-697 | ₹499 + applicable taxes (levied within 60 days of card issuance) | ✓ |
| Fee waiver (min spend) | ₹ 1 lakh per annum for waiver of renewal fee (spends exclusions given below). No waiver on Joining Fee.MITC v4.3, fee table L674-697 | ₹1 lakh annual spend (renewal/annual fee waived; cash advances, card fees/charges, all EMI spends excluded from waiver calc) | ✓ |
| Fuel surcharge waiver | 1% fuel surcharge waiver on minimum transaction of ₹400 & maximum transaction of ₹5000. Maximum waiver of ₹250 per statement cycleMITC v4.3, fee table L674-697 | 1% fuel surcharge waiver (₹400-₹5,000, max ₹250/cycle) | ✓ |
| Forex markup | 3.5%MITC v4.3, fee table L674-697 | NOT STATED | • |
| Reward rate | Not in MITC (product term) | 2% Reward Points on select PhonePe categories (recharges & bills, travel & stays: flights/bus/trains/hotels); 1% on select online brands (Amazon, Flipkart, Myntra, Ajio, Uber, Swiggy, Zomato); 1% on all Scan & Pay (RuPay CC on UPI) spends. Each category capped at 500 RP/calendar month. 1 RP = Re.1 as statement cashback (Re.0.3 on SmartBuy) | • |
| Welcome benefit | Not in MITC | Effectively the ₹499 joining fee returned via PhonePe: ₹249 PhonePe Gift Card on first RuPay-CC-on-UPI txn (min ₹100), plus ₹25 scratch cards each on the next 10 RuPay-CC-on-UPI PhonePe payments (total ₹250) | • |
| Lounge access | Not in MITC | NOT STATED (no lounge access listed in the card's key features/FAQ) | |
| Eligibility | Not in MITC | Salaried: gross monthly income > ₹25,000, age 21-60; Self-employed: income ₹26 lakh p.a., age 21-65 (Indian nationals) | • |
✓ both agree ⚠ differ — verify • MITC only • microsite only
Live microsite fetch this run: thin 37, ok 3, blocked 1. HDFC microsites are JavaScript-rendered, so where the live fetch was thin the microsite column shows the fact as previously recorded from that card’s HDFC page — open the linked URL to verify. See the full schedule of charges → (finance charges, cash-advance, late-fee slabs…), all cited to the MITC.
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