HDFC Bank · Entry
PhonePe HDFC Bank Uno Credit Card
Where it ranks across all 187 cards
#51 Cabs & transit
1.0%
at Uber
direct
#67 Fashion
1.0%
at Myntra
direct
#68 Online shopping
1.0%
at Amazon
direct
#70 Food delivery
1.0%
at Swiggy
direct
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Reward rules3 direct
Base rate - everything not covered below
0.00%base rate
0 pts / ₹100
source
Source: HDFC Bank - PhonePe HDFC Bank Uno Credit Card - hdfc.bank.in - read 30 Sep 2026
1 pt / Rs 100 on UPI Scan & Pay
1.00%this rule
1 pt / ₹100
source
Source: PhonePe HDFC Bank Uno Credit Card - Reward Points T&C (HDFC PDF) - hdfc.bank.in - read 30 Sep 2026
1 pts / Rs 100 on Amazon, Flipkart, Myntra, Ajio, Uber, Swiggy, Zomato
1.00%this rule
1 pt / ₹100
source
Source: PhonePe HDFC Bank Uno Credit Card - Reward Points T&C (HDFC PDF) - hdfc.bank.in - read 30 Sep 2026
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
Earns nothing on3 exclusions
EMI, Fuel, Wallet load
earns nothing
No reward points on EMI transactions, fuel, wallet load, gift cards, or cash advances.
→ use Kotak Solitaire Credit Card here (3.0%)
detail & source
categories: EMI, Fuel, Wallet load
Source: PhonePe HDFC Bank Uno Credit Card - Reward Points T&C (HDFC PDF) - hdfc.bank.in - read 30 Sep 2026
Government / tax, Rent, Education, Insurance
earns nothing
No reward points on card bill payments/charges, government payments, rental transactions, education fees, or insurance.
→ use Biz Black Metal Edition Credit Card here (2.5%)
detail & source
categories: Government / tax, Rent, Education, Insurance
Source: PhonePe HDFC Bank Uno Credit Card - Reward Points T&C (HDFC PDF) - hdfc.bank.in - read 30 Sep 2026
Jewellery & watches
earns nothing
No reward points on jewelry purchases.
→ use Tata Neu Infinity HDFC here (5.0%)
detail & source
categories: Jewellery & watches
Source: PhonePe HDFC Bank Uno Credit Card - Reward Points T&C (HDFC PDF) - hdfc.bank.in - read 30 Sep 2026