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PhonePe HDFC Ultimo Card: 10% Cashback on Bills & Everyday UPI Spends

The PhonePe HDFC Ultimo Credit Card is designed to reward everyday spending with a simple, accessible rewards structure. It offers 10% cashback on essential categories like mobile recharges and utility bill payments made via PhonePe. Cardholders also earn 1% cashback on all UPI 'Scan n Pay' transactions, making local purchases more rewarding. The card further provides 5% cashback on select online brands and complimentary airport lounge access, balancing daily utility with additional perks.

Key Points: PhonePe HDFC Ultimo Credit Card Rewards for Daily Spending

  • 10% cashback on PhonePe bills & recharges
  • 1% cashback on all Scan n Pay UPI transactions
  • 5% cashback on select online shopping brands
  • Complimentary domestic airport lounge access
2 min read

PhonePe and HDFC co-branded Credit Card: Rewards that fit your everyday spending

Get 10% cashback on recharges & bills, 1% on UPI scans, and 5% on online shopping with the PhonePe HDFC Ultimo co-branded credit card.

"Every top-up, electricity bill, and broadband payment now delivers substantial rewards."

New Delhi, Jan 13

PhonePe launched its co-branded Credit Card in June last year, marking its foray into the co-branded card segment. Today's credit card users are looking beyond occasional big-ticket rewards and focusing on value from everyday transactions -- and the recently launched PhonePe HDFC Ultimo Credit Card is built to deliver exactly that.

The idea behind the card is simple. Instead of needing complex strategies to earn rewards, the PhonePe HDFC Ultimo card focuses on everyday spends such as recharges, utility bill payments, online shopping and more.

Cardholders get 10 per cent cashback on essential PhonePe categories - this includes recharges, DTH subscriptions, utility bills and other everyday bill payments. Every top-up, electricity bill, and broadband payment now delivers substantial rewards.

Beyond bills, HDFC Ultimo's 1 per cent cashback on all 'Scan n Pay' transactions have made local shopping more rewarding. From neighbourhood kirana stores to street food vendors, every QR code scan now contributes to your cashback balance. With UPI deeply embedded in Indian consumer behaviour, this feature ensures even the smallest purchases work towards rewards.

Rewards on Online Shopping: HDFC Ultimo also offers 5 per cent cashback on select online shopping brands across categories like fashion, electronics, and more. Combined with complimentary domestic airport lounge access, the HDFC Ultimo balances everyday utility with travel and online shopping perks, enhancing the overall experience.

What's Driving Adoption: The adoption of PhonePe HDFC Ultimo is being driven by a clear focus on rewarding everyday spending. Instead of requiring high spend thresholds, the card keeps it simple - users earning cashbacks on regular expenses, local purchases and online shopping.

Positioned as a practical option within its segment, this co-branded Credit Card offers value that aligns with how consumers typically spend.

For those evaluating different reward structures, the PhonePe HDFC Ultimo reflects a move toward simpler, more accessible benefits that fit naturally into daily spending patterns.

- IANS

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Reader Comments

R
Rohit P
The 1% on all Scan n Pay is smart. I use UPI for everything from chai to groceries. Now those small amounts will add up. Hope the cashback redemption process is simple though.
A
Aman W
Sounds good on paper, but what about the annual fee and interest rates? HDFC cards often have hidden charges. They should be more transparent about the total cost of ownership.
S
Sarah B
As someone who recently moved to India, the UPI integration is brilliant. My local sabziwala accepts it. Earning rewards on those daily purchases makes so much sense. Great for building financial history here too.
K
Karthik V
The lounge access is a nice touch for occasional travel. But the 5% on "select" online brands worries me. Hope the list includes Amazon and Flipkart, not just niche sites.
N
Nisha Z
My mother pays all the household bills via PhonePe. Getting her this card would actually help her save! Finally, a financial product designed for real Indian middle-class spending habits. 🙏

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