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 Uno
HDFC Bank
Annual fee
₹499
free if you spend ₹1,00,000
Joining fee
₹499
Earns more
13capped at 500 Reward Points per calendar month
Airport lounge access
Within IndiaNot confirmed
Outside IndiaNot confirmed
Check HDFC Bank's current card page
Points
Make the most of this card
Keep the rewards you earn
• Maximum cashback redemption of Rs 7,500 per calendar month.
More rules and steps
• 1% Reward Points on all Scan & Pay transactions • Capping of 500 reward points per calendar month
9. Do reward points expire? Yes, unredeemed Reward Points will expire/lapse after 2 years from the date of accumulation.
• 2% Reward Points on Select PhonePe categories - PhonePe Select Categories - Recharges & Bills, Travel & Stays (Flights, Bus, Trains and Recharges & Bills, Travel & Stays Hotels) on the PhonePe application (Flights, Bus, Trains and Hotels) • Capping of 500 reward points per calendar month.
Benefits
3Conditions apply — read the clause.
Earns, up to a limit
1The normal rate, until a ceiling in the terms.
capped at first 5 transactions with min ₹ 100 transaction value only via PhonePe app
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.
Earns the normal rate
1Dated 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.