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Side-by-Side Comparison|Updated March 2026

Axis Bank Signature Credit Card vs PhonePe HDFC Bank Uno Credit Card

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

Axis Bank

Axis Bank Signature Credit Card

7.5/10
Annual Fee₹5,000
Base Rewards1%
NetworkVisa
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HDFC Bank

PhonePe HDFC Bank Uno Credit Card

8/10
Annual Fee₹499
Base Rewards0%
NetworkRuPay
View Full Details

Feature-by-Feature Comparison

FeatureAxis Bank Signature Credit CardPhonePe HDFC Bank Uno Credit Card
Annual Fee₹5,000₹499
Joining Fee₹5,000₹499
Fee Waiver Spend₹3,00,000₹1,00,000
Base Reward Rate1%0%
Reward CurrencyEDGE REWARD PointsCashPoints
NetworkVisaRuPay
Editor Rating7.5/108/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Signature Credit Card

  • 2% on TRAVEL

PhonePe HDFC Bank Uno Credit Card

No accelerated rewards listed

Pros & Cons

Axis Bank Signature Credit Card

Pros

  • High reward rate of 10 EDGE points per ₹200 spent on domestic transactions
  • Accelerated 2x rewards (20 points per ₹200) on all international spends
  • Substantial 50% discount on movie tickets via BookMyShow (up to ₹300 per month)
  • Comprehensive travel insurance including ₹2.5 Crore Air Accident Cover

Cons

  • High annual fee of ₹5,000 with a relatively high waiver threshold of ₹3 Lakhs
  • International lounge visits are not complimentary by default on the Priority Pass
  • Reward point value is relatively low at ₹0.20 per point compared to competitors

PhonePe HDFC Bank Uno Credit Card

Pros

  • 1:1 reward redemption ratio for statement credit (cashback)
  • Joining fee effectively zeroed out through welcome gift cards
  • Seamless UPI integration on RuPay network with rewards for scan & pay
  • Accelerated rewards on popular online brands like Amazon and Flipkart

Cons

  • No airport lounge access provided in this variant
  • Strict monthly caps of 500 points per category
  • No reward points on offline/in-store swipes (non-UPI)

Our Verdict

Both Axis Bank Signature Credit Card and PhonePe HDFC Bank Uno Credit Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.

Choose Axis Bank Signature Credit Card if

Users who travel internationally and can benefit from the 2x reward multiplier and insurance covers.

Choose PhonePe HDFC Bank Uno Credit Card if

Users who heavily utilize PhonePe for bill payments, recharges, and travel bookings will benefit most from the 2% reward rate.

Frequently Asked Questions

Which is better: Axis Bank Signature Credit Card or PhonePe HDFC Bank Uno Credit Card?
Both Axis Bank Signature Credit Card and PhonePe HDFC Bank Uno Credit Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.
What is the annual fee difference between Axis Bank Signature Credit Card and PhonePe HDFC Bank Uno Credit Card?
Axis Bank Signature Credit Card has an annual fee of ₹5,000, while PhonePe HDFC Bank Uno Credit Card has an annual fee of ₹499. Axis Bank Signature Credit Card offers a fee waiver on ₹3,00,000 annual spend. PhonePe HDFC Bank Uno Credit Card offers a fee waiver on ₹1,00,000 annual spend.
Which card has better rewards: Axis Bank Signature Credit Card or PhonePe HDFC Bank Uno Credit Card?
Axis Bank Signature Credit Card offers a base reward rate of 1% with accelerated rewards on TRAVEL. PhonePe HDFC Bank Uno Credit Card offers 0% base rewards. The better choice depends on your primary spending categories.
Can I have both Axis Bank Signature Credit Card and PhonePe HDFC Bank Uno Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Signature Credit Card and PhonePe HDFC Bank Uno Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Axis Bank Signature Credit Card or PhonePe HDFC Bank Uno Credit Card?
For beginners, PhonePe HDFC Bank Uno Credit Card may be more approachable with a lower annual fee of ₹499. However, evaluate based on your expected spending pattern rather than fee alone.

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