cards / credit / hdfc bank / hdfc-phonepe-ultimo-credit-card

HDFC

6076 •••• •••• ••••

VALID THRU••/••

YOUR NAME HERE

RuPay

↑ Your name appears embossed when you sign in.

PhonePe HDFC Ultimo Credit Card

Premium UPI credit card with up to 10X rewards on PhonePe

JOIN: ₹999
ANNUAL: ₹999
REWARDS: 0.35% to 3.5%
APR: 45.00% p.a.

RUPAY CREDIT Platinum Plastic VIRTUAL OK

§ BENEFITS

utility

PhonePe Reward Points

10 Reward Points per ₹100 on PhonePe transactions including bill payments, recharges, and merchant payments

10 RP per ₹100

shopping

E-commerce Rewards

5 Reward Points per ₹100 on Amazon, Flipkart, and Myntra

5 RP per ₹100

rewards

UPI Rewards

1 Reward Point per ₹100 on all UPI transactions

1 RP per ₹100

utility

Bill Payment Benefits

Exclusive cashback offers on utility bill payments via PhonePe

Exclusive offers

§ ELIGIBILITY

Employment: Salaried / Self-Employed
Min annual income: ₹4,20,000
Min monthly salary: ₹35,000
Age: 21 – 65
Min credit score: 700
Existing account?: Not required
Invitation only?: No

§ FEES

Joining fee: ₹999
Annual fee: ₹999
APR (monthly): 3.75% p.m.
APR (annual): 45.00% p.a.
Late payment fee: ₹1,300
Over-limit fee: ₹500
Cheque bounce: ₹500
Grace period: 50 days
Min due: 5%

§ ATM & CASH

Own bank free / month: 0
Own bank charge: ₹250
Other bank free / month: 0
Other bank charge: ₹250
International withdrawal: ₹250
Cash advance fee: 2.5%

§ TRANSACTIONS

Currency markup: 3.5%
DCC fee: 1%
Cross-border fee: —
SMS alert / month: —
PIN regen: ₹100
Physical statement: ₹100

§ FUEL

Fuel waiver: Not available

§ LIMITS

ATM / day: ₹30,000
POS + e-com / day: ₹2,50,000
Contactless / txn: ₹5,000
Contactless / day: ₹50,000

§ INSURANCE

Insurance: Not provided

§ REWARDS

Programme: HDFC Reward Points
Earn rate: 10 RP/₹100 PhonePe, 5 RP/₹100 e-commerce, 1 RP/₹100 UPI
Point value: ₹0.35
Effective cashback: 1.00%
Min redemption: 500 pts
Expiry: 2 years from date of accrual

§ LOUNGE

Lounge access: Not available

Information here is for reference. Always verify on the issuing bank's site before applying. oriz · cards is not affiliated with HDFC Bank and earns no commission on applications.