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In a world where digital payments are becoming the norm, the PhonePe HDFC Bank Ultimo Credit Card stands out as a smart, user-friendly option for those who want the best of both UPI and credit card benefits. Issued on the RuPay network, this card is designed for digital-first users who frequently shop online, pay bills through apps, and prefer seamless transactions.

Beyond PhonePe, the card also offers 5% cashback on popular platforms like Flipkart, Myntra, Swiggy, Zomato, and Uber, with a monthly cap of ₹500. Even UPI Scan & Pay transactions earn 1% cashback, up to ₹500 per month. However, do note that fuel, rent, insurance, and EMI payments are excluded from cashback eligibility.
Why This Card Makes Sense for Everyday Spenders
The Ultimo Credit Card is tailored for people who live online, whether it’s paying utility bills, booking travel, or ordering food. You earn 10% cashback on purchases made through the PhonePe app, including recharges, gas bookings, and shopping via the Pincode store. This cashback is capped at ₹1,000 per month, which is generous for regular users.Beyond PhonePe, the card also offers 5% cashback on popular platforms like Flipkart, Myntra, Swiggy, Zomato, and Uber, with a monthly cap of ₹500. Even UPI Scan & Pay transactions earn 1% cashback, up to ₹500 per month. However, do note that fuel, rent, insurance, and EMI payments are excluded from cashback eligibility.