PhonePe HDFC Bank Ultimo Credit Card
PhonePe HDFC Bank Ultimo Credit Card from HDFC Bank is covered here with fees, rewards, benefits, exclusions, fuel/forex charges and Zlash's practical verdict for Indian users.
Annual fee: Rs 999 | Reward type: Reward Points | Best for: Travel, Shopping, Utility Bills
Estimated value per Rs 100 of eligible spend.
PhonePe HDFC Bank Ultimo Credit Card Overview
PhonePe HDFC Bank Ultimo Credit Card is a HDFC Bank credit card. Base reward value is about Rs 1 per Rs 100 of eligible spend. Zlash checks boosted categories like travel, flights, hotels along with caps and exclusions.
Best For
PhonePe HDFC Bank Ultimo Credit Card is most useful when your spends regularly fall into travel, flights, hotels.
Rewards
travel
10x the base reward rate.
Monthly cap: Rs 1,000
flights
10x the base reward rate.
Monthly cap: Rs 1,000
hotels
10x the base reward rate.
Monthly cap: Rs 1,000
utility bills
10x the base reward rate.
Monthly cap: Rs 1,000
movies and entertainment
10x the base reward rate.
Monthly cap: Rs 1,000
Amazon
5x the base reward rate.
Monthly cap: Rs 500
flipkart
5x the base reward rate.
Monthly cap: Rs 500
Not Good For
- Spends in excluded categories such as emi transactions, fuel, wallet reloads, gift cards, cash advances.
- International transactions if you need low forex markup; this card lists 3.5% markup.
Welcome And Travel Benefits
Welcome: Welcome benefits are listed in extracted facts; verify current issuer terms before applying.
Domestic lounge: Domestic lounge benefit is listed in extracted facts; confirm access rules with the issuer before relying on it.
Fuel And Forex Charges
1% fuel surcharge waiver on eligible fuel transactions.
3.5% foreign currency markup.
Reward Exclusions
Zlash Verdict
Choose this card when travel, shopping, utility bills match your normal spend pattern. Skip it for categories that are excluded from rewards or where another card gives a cleaner direct discount.
This page is generated from normalized card facts, not copied review prose. Zlash uses this structure so card data can power both public SEO pages and future in-app card detail views.
FAQ
What is the annual fee of PhonePe HDFC Bank Ultimo Credit Card?
The listed annual fee is Rs 999.
What is PhonePe HDFC Bank Ultimo Credit Card best used for?
PhonePe HDFC Bank Ultimo Credit Card is most useful when your spends regularly fall into travel, flights, hotels.
Does PhonePe HDFC Bank Ultimo Credit Card have reward exclusions?
Yes. The extracted exclusions include emi transactions, fuel, wallet reloads, gift cards, cash advances, credit card bill payments.
How does Zlash use this card data?
Zlash uses fee, reward, cap and exclusion facts to estimate effective prices after eligible payment rewards.