PhonePe, HDFC Bank launch co-branded RuPay credit card with UPI integration

[damn]

PhonePe HDFC Bank Credit Card | RuPay Benefits & Rewards

Get your PhonePe HDFC Bank RuPay Credit Card today! Enjoy amazing reward points, discounts, and a 1% fuel surcharge waiver. Apply seamlessly online.

www.phonepe.com

New card launch just now; will be available to apply for from app only.
@SSV

 

[OptiCard]

Got the mail from HDFC.

 

[Rishabh]

However these points are not redeemable yet .. Still need to wait for some more time ig...

View attachment 115949

It will be visible under 'Redeemable' post next statement generation. Like for me, rewards for October txn just started visible under Redeemable after my 2nd statement generated few days back !!

And worst part is we cannot redeem it until it touches 500. So if the overall spends are not above 5k in utilities then it will going to take months to accumulate minimum redeemable points lol

I will if they can make the cashback feature similar like Swiggy the NO Fuss one 😛

Also anyone planning to close the card before renewal due to annual fees, make sure you do not make utility txns during last 2 months of anniversary else you will not able to redeem that without continuing the card for next year 😉 😛

 

[Rishabh]

Received 10% reward points on my electricity bill..

Timelines:
Transaction date : 04/11/2025
Bill date.: 02/12/2025
Points credited date : 08/12/2025..
SMS received : 09/12/2025

View attachment 115941


Received SMS today ...

View attachment 115942

Out of context message but your Credit Limit doesn't justify the heavy weight of Infinia Metal it holds 😉 😛

 

[kuchbhikuchbhi is verified member.]

Out of context message but your Credit Limit doesn't justify the heavy weight of Infinia Metal it holds 😉 😛

At that time requirement was 8L

 

[Rishabh]

At that time requirement was 8L

It is not about Infinia requirement; I was highlighting about low limit for a 'TF Reserve' and that too for Metal variant 😉

 

[SSV]

It is not about Infinia requirement; I was highlighting about low limit for a 'TF Reserve' and that too for Metal variant 😉

may be my metal is very light weight !! 😉
...
.
Note:.
I am a very normal middle class bloke ....
and TF Reserve is a hard earned TF status

 

[falcon007]

So which one is better HDFC Ultimo or SBI PhonePe Black?

 

[BhaiyaJi]

So which one is better HDFC Ultimo or SBI PhonePe Black?

I would say SBI ChorePe Black

 

[Rishabh]

may be my metal is very light weight !! 😉
...
.
Note:.
I am a very normal middle class bloke ....
and TF Reserve is a hard earned TF status

Most likely everyone looking for Deals/Benefits on cards falls in the middle class category: lower or upper but might be very few HNIs on this forum since they hardly bother looking for discounts, value generation from cards lol