Dynamic currency conversion Markup Fee: With effect from 20th May 2026, a Markup fee of 1.75% will be levied on all transactions carried out in Indian Currency at an international location or at merchants which are located in India but registered overseas.
PhonePe HDFC Bank Ultimo
HDFC Bank
Earns more
14Airport lounge access
More from the issuer 18
Visit limits and reset periods
8 complimentary annual domestic lounge access, 2 per quarter (Conditional - Spend Rs 75,000 in a quarter to be eligibile for the lounge access).
Domestic Lounge Access 8 complimentary domestic lounge accesses (2 per quarter) on spends of Rs 75,000 or more in a calendar quarter. source ↗
Timeline for Lounge Voucher eligibility – Customer will receive the lounge voucher within 30 days of the completion of the eligible calendar quarter (eligible quarter basis the spends of Rs 75K) For example – customer A spends Rs 75,000 in Jan’26 & customer B spends Rs 75,000 in Mar’26. Both the customers will be eligible for domestic lounge voucher for JFM quarter. The voucher details will be sent th on or before 30 Apr’26 from Gyftr team. source ↗
Spend and eligibility
The expiry (voucher validity) of the the same will be shared in the SMS and Email. The Lounge voucher can be used only at the eligible lounge list as updated in the lounge TnCs.
How to enter
Admittance to lounges is conditional upon presentation of a valid Priority Pass Card only and the HDFC Bank Credit Card would not be accepted on behalf of the Priority Pass Card.
Admittance to lounges are subject to the Cardmember holding a valid ticket of travel on the same day in an airline flying out of the airport in which the lounge is present.
Primary, add-on and guests
Accompanying children are subject to full guest fees unless otherwise stated in the lounge listing.
Participating lounges are not obligated to announce flights, neither HDFC Bank Ltd. or Priority Pass group of companies shall be held responsible for direct and indirect loss arising through the Cardmember or their guests failing to board the aircraft on time.
Admittance into lounges is subject to members and guests behaving and dressing in an orderly and correct manner.
Validity and timing
Participating airport lounges may reserve the right to enforce a maximum stay policy (usually 2 - 3 hours) to prevent overcrowding.
Where access works
Domestic Lounge List – City Outlet Name Terminal Terminal Type Departure/Arrival Ahmedabad The Lounge T1 Domestic Departure Mumbai Adani Lounge T2 Domestic Departure Adani Lounge Mumbai (erstwhile Oasis T1B Domestic Departure Lounge) Bengaluru 080 Lounge T2 Domestic Departure 080 Domestic Lounge Bengaluru T1 Domestic Departure East Chennai Travel Club T1 Domestic Departure source ↗
Proof of identification will be required to gain entry. The offer is non-transferable, non-negotiable and cannot be encashed . The Bank has sole and absolute discretion to alter, cancel, or amend the eligibility of any credit card, or card features/benefits, at any time without prior notice. Additional charge may apply for meals/food/drink items (especially Alcoholic Drinks) as well as for services such as Nap, Massage Service and Spa as per the discretion of the participating airport lounge.
HDFC Bank or Priority Pass are not responsible for the nonavailability or loss arising due to non-availability of lounge or associated services.
Charges and exclusions
for Lounge Benefits FAQ View More Fuel Surcharge Waiver 1% fuel surcharge waived of on fuel transactions.(Minimum transaction of ₹400 & maximum transaction of ₹5,000.
Check the programme's lounge list for your airport and terminal. An international flight does not by itself make a lounge an overseas one.
Check HDFC Bank's current card page
Points
Make the most of this card
Keep the rewards you earn
• Capping of 500 reward points per calendar month • Only eligible for UPI spends (3DS is not applicable)
More rules and steps
• Capping of 1000 reward points per calendar month. • Eligible only for transactions initiated on the PhonePe App and
11. Do reward points expire? Yes, unredeemed Reward Points will expire/lapse after 2 years from the date of accumulation.
Plan for a spend milestone
PhonePe HDFC Bank Ultimo Credit cardholders are eligible for up to 8 domestic airport lounge visits every calendar year (2 lounges per calendar quarter). This is based on the Quarterly Spends Milestone Program, where cardholders need to spend ₹75,000 or more in the previous calendar quarter to be eligible for the lounge access.
Benefits
5Earns, up to a limit
1The normal rate, until a ceiling in the terms.
Earns nothing
14Spend here and the terms say you earn no rewards.
Terms disagree
1Two clauses say different things. We are not guessing which one applies.
Dated changes
2Dates the terms name for something changing.
Dynamic currency conversion currency conversion Markup Fee: With effect from 15th May 2026, a Markup fee of 1.75% will be levied
Every line above is read from HDFC Bank's own published documents. Tap a line to see the clause. Before a large payment, check the linked document yourself.