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

 

[cool_jazz]

I’m in same boat. Last month 2 hits for a loan, and 1 this month for SBI (which they declined with over leverage)
I’m also avoiding any more hits till November

What is minimum annual income required for HDFC ? for 3L i think they can Declined

 

[Rishabh]

Cred is detecting this card's bank as 'Bank of America'... seems PhonePe has gone international lol !!

 

[nikhilv0303]

What is minimum annual income required for HDFC ? for 3L i think they can Declined

Not sure as I’ve not applied for HDFC Ultimo

 

[aamaadmi]

Guys, how to get hdfc phonepe ultima card LTF?
Already have DCB & TATA NEU Infinity LTF with shared 8L limit.
Also, whats the best way to apply and how is kyc done (online/offline)?

 

[nikhilv0303]

Guys, how to get hdfc phonepe ultima card LTF?
Already have DCB & TATA NEU Infinity LTF with shared 8L limit.
Also, whats the best way to apply and how is kyc done (online/offline)?

Open PhonePe, Search HDFC and Apply FYF
No sure shot way, but that’s the only way to apply and check

Given your current limit and only 2 cards, high chance you’ll get it. Then try after 10 months to make it LTF

 

[rajcasio]

How to check REWARD POINTS of this CC in the app?

 

[Karthi52]

where to check reqard points accumulated? i am unable to find in hdfc app

 

[rajcasio]

where to check reqard points accumulated? i am unable to find in hdfc app

It's still a MYSTERY until someone comes up with an answer with PROOF

 

[Rishabh]

Made one Utility bill payment (electricity) last week & got first statement generated 3 days ago but I cant see any details about reward points.
So far showing as Zero when i go to redeem reward page.

Anyone managed to get the reward points, can you confirm how long it takes to get reward balance credited after statement generation?

 

[cctrick]

HDFC follows Calendar month reward cycles. So any transactions settled between 1st to 31st October - Rewards points will start showing on Mycards by 3rd November and will be available to redeem after next statement generation.

 

[SSV]

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




Received SMS today ...

 

[SSV]

where to check reqard points accumulated? i am unable to find in hdfc app

It's still a MYSTERY until someone comes up with an answer with PROOF

Made one Utility bill payment (electricity) last week & got first statement generated 3 days ago but I cant see any details about reward points.
So far showing as Zero when i go to redeem reward page.

Anyone managed to get the reward points, can you confirm how long it takes to get reward balance credited after statement generation?

@plastikman


All,
Please see the above message..I received the RP in th3 next month itself 7days after the bill was generated...
We can see the points in the phonepe app under card management option..

 

[OptiCard]

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

I too didn't receive the points.
Raised the complaint yesterday & it credited today for electricity payment.

Transaction Date:
10 Nov 2025
Bill - 25th Every month

Received sms at 18:17 on 9th Dec 2025

 

[SSV]

I too didn't receive the points.
Raised the complaint yesterday & it credited today for electricity payment.

Transaction Date:
10 Nov 2025
Bill - 25th Every month

Received sms at 18:17 on 9th Dec 2025

I too received the SMS at 18:17 ...

I made no complaints..

 

[OptiCard]

I too received the SMS at 18:17 ...

I made no complaints..

View attachment 115947

Seems the issue resolved it's own through system credit.

That's what how come banks didn't make any drama and credited the points in single ask. 😂

Next time I will wait for 2 months billing cycle.

 

[SSV]

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

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

 

[OptiCard]

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

View attachment 115949

Yup, mostly it will be next month.

In millennia as well, the points credits are redeemable from next month. --> this is my observation (might be wrong).

 

[plastikman]

@plastikman


All,
Please see the above message..I received the RP in th3 next month itself 7days after the bill was generated...
We can see the points in the phonepe app under card management option..

I received some RPs which correspond exactly to 1 phonepe utility transaction that I had done in the current billing cycle (not yet billed).

But nothing from the last 2 billing cycles 😅

 

[SSV]

I received some RPs which correspond exactly to 1 phonepe utility transaction that I had done in the current billing cycle (not yet billed).

But nothing from the last 2 billing cycles 😅

I think their systems must have woken up this month only..
You may be need to persistently follow up with them or forget about those points

 

[plastikman]

I think their systems must have woken up in his month only..
You may be need to persistently follow up with them or forget about those points

I'm going to use the force of RBIO to jog them up from sleep. I'm eligible to get 1000 RPs and not in the mood to let it go 😄