PhonePe HDFC Bank Ultimo Credit Card

Joining Fee: ₹999 + applicable taxes

Renewal Fee: ₹999 + applicable taxes

Renewal Year Fee waived upon spending ₹2,00,000 in the previous year.

Below spends will not be considered for the waiver –

• Cash advances
• Credit Card fees or any charges
• All EMI spends

HDFC Bank Credit Card holders have to activate their Credit Cards within 30+7 days from Card Open Date, as per ‘Master Direction – Credit Card and Debit Card – Issuance and Conduct Directions, 2022 by Reserve bank of India (RBI).
In case the Credit Card is not activated the Credit Card will have to be closed by the Bank as per the RBI Guidelines.

Modes for Card Activation:
Setting Credit Card PIN:

• Through IVR – Card holders can set their 4-digit Credit Card PIN by calling IVR No. 1860 266 0333. Upon calling the IVR please input your card number, validate through OTP and set your preferred PIN.
• Through NetBanking – Log in to our NetBanking and visit Cards. Choose Change PIN and set your preferred PIN (available only for customers holding savings/salary/current accounts)
• A minimum of 2,500 CashPoints are required for statement balance redemption.

Enabling your online, contactless and international transactions:

• Through MyCards – Visit https://mycards.hdfcbank.com/ log in through OTP and link your Credit Card. Please click on the "Card Control" tab to enable Online, Contactless and/or International transactions
• Through Whatsapp Banking – Please save the number 7070022222 and send a message "Manage My Credit Card" to enable. Alternatively, you can click here.
• Through Eva – To interact with Eva, please click here and choose your preferred transactions to enable.
• Through Credit Card usage – Use your Credit Card for at least 1 Online / POS transaction to activate your Credit Card.

• Now add billers to your HDFC Bank Credit Card and register for SmartPay by giving standing instructions on your Credit Card

Customers can redeem their reward points in two ways –

• As cashback against their outstanding credit card balance
• Towards a wide range of rewards on HDFC Bank SmartBuy platform

Reward Points can be used on HDFC Bank SmartBuy for bookings Flights/ Hotels, Airmiles & Product Catalogue.

• 1 Reward Point is equivalent to Re.1 when redeemed as cashback against statement credit
• 1 Reward Point is equivalent to Re.0.3 of SmartBuy (Flights/Hotels), Airmiles & Product Catalogue.

Please Note -

• Cashback can be redeemed by you against the statement balance – through HDFC Bank Netbanking portal.
• The minimum Reward Point balance required for redemption against the statement balance is 500 Reward Points.
• Maximum cashback redemption of Rs 7,500 per month.
• Unredeemed Reward Points will expire/lapse after 2 years of accumulation
• If the cardholder opts for redemption as Cashback against statement, there will be no redemption fee levied.

• The Most Important Terms and Conditions for each of our banking offerings features all the specific terms and conditions that govern their use. You must go through it thoroughly to fully understand the terms and conditions applicable to any banking product you choose.