HDFC PhonePe Ultimo credit card credit card
Joining Fee:

₹999 +GST

Return Percentage:

1% to 10%

Credit Card Overview

A co-branded PhonePe Ultimo card delivering premium lifestyle benefits, cashback on PhonePe transactions, and milestone-based rewards for frequent digital spenders.

Best Suited For: Cashback

HDFC logoHDFCRuPay

Fees and charges at a glance

Annual fee
₹999

Charged every year you keep the card

Joining fee
₹999

Paid once when you get the card, plus GST

Reward rate
1% to 10%

Depends where you spend

HDFC PhonePe Ultimo credit card — Earn Categories

Other categories

  • Recharges (PhonePe)10 reward points / ₹100

    A maximum of 1,000 Reward Points can be earned per calendar month. · Minimum ₹100 per transaction

  • Bills (PhonePe)10 reward points / ₹100

    A maximum of 1,000 Reward Points can be earned per calendar month. · Minimum ₹100 per transaction

Everyday rate

  • Base Rewards1 Reward Points (reward points) / ₹100

    Minimum ₹100 per transaction

10 more earning categories on this card

We track all 13 of them, with the caps and conditions on each. See the full breakdown against your own spending in the app.

Open in the app

Earns nothing on these

Spends in these categories carry no rewards on this card.

  • EMI
  • UPI
  • Education
  • Rent
  • Wallets
  • Fuel
  • Government