Key Features & Benefits
- ✦10 Reward Points per ₹100 on select PhonePe spends (recharges, bill payments, movies, hotels, utilities)
- ✦5 Reward Points per ₹100 on Amazon, Flipkart, Myntra, Ajio
- ✦1 Reward Point per ₹100 on Scan & Pay UPI spends
- ✦RuPay Credit Card — enabled for UPI payments on PhonePe
- ✦50% joining fee refund as PhonePe Gift Card on first UPI transaction
- ✦Remaining 50% refunded as 10 Gift Cards on continued UPI usage
- ✦1% fuel surcharge waiver
- ✦Annual fee waiver conditions — check current terms
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Welcome & Joining Benefits
- ✦50% of joining fee back as PhonePe Gift Card on first RuPay credit card UPI transaction
- ✦Remaining 50% as 10 Gift Cards on continued UPI spends
Milestone Benefits
- ✦Check bank website for current benefits
Pros & Cons
✓ Advantages
- ✓Earn rewards on UPI transactions — rare for credit cards
- ✓10X on PhonePe utility payments — mobile recharge, bills
- ✓5X on major e-commerce platforms
- ✓Effective joining fee can be recovered via welcome gift cards
✗ Disadvantages
- ✗RuPay acceptance slightly lower than Visa/MC at some international merchants
- ✗No lounge access
- ✗3.5% forex
Frequently Asked Questions
How do I use this card for UPI payments?▼
Add the PhonePe HDFC RuPay Credit Card on the PhonePe app under UPI payment methods. You can then pay using UPI (scan QR codes) and earn reward points on each transaction, unlike debit cards which don't earn credit card rewards.
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