HDFC PhonePe Ultimo Credit Card
HDFC · Premium · Visa
Annual Fee
₹2,999
Fee Waiver
₹3L annual spend
Lounge Access
8/year
Best Rate
1%
Network
Visa
⚠️ Data being verified
Reward Rates by Category
🍽️Dining
1%
✈️Travel
1%
🛒Online Shopping
1%
🥦Groceries
1%
💡Utilities
1%
🎬Entertainment
1%
🛍️Shopping
1%
⛽Fuel
0%
How Points Work
PhonePe reward points, ~1% base · Limited public information · Premium co-branded card
🚀 Boosted Rates (Partners & SmartBuy)
PhonePeAccelerated rewards
These rates apply when using specific platforms or partners — higher than the base category rate shown above.
Key Benefits
PhonePe ecosystem integrationPremium co-branded cardLounge access
PROS
✅ PhonePe ecosystem benefits
✅ Lounge access
CONS
⚠️ Limited public data
⚠️ ₹2,999 fee
⚠️ Reward structure unclear
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