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Side-by-Side Comparison|Updated March 2026

PhonePe HDFC Bank Uno Credit Card vs ICICI Bank Manchester United Signature Credit Card

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

HDFC Bank

PhonePe HDFC Bank Uno Credit Card

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

ICICI Bank

ICICI Bank Manchester United Signature Credit Card

6.5/10
Annual Fee₹2,499
Base Rewards0.25%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeaturePhonePe HDFC Bank Uno Credit CardICICI Bank Manchester United Signature Credit Card
Annual Fee₹499₹2,499
Joining Fee₹499₹2,499
Fee Waiver Spend₹1,00,000₹2,50,000
Base Reward Rate0%0.25%
Reward CurrencyCashPointsICICI Reward Points
NetworkRuPayVisa
Editor Rating8/106.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

PhonePe HDFC Bank Uno Credit Card

No accelerated rewards listed

ICICI Bank Manchester United Signature Credit Card

  • 0% on Manchester United Match Days

Pros & Cons

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)

ICICI Bank Manchester United Signature Credit Card

Pros

  • Exclusive Manchester United branded welcome gift (Holdall and Football).
  • Accelerated 5 reward points per ₹100 spent on Manchester United match days.
  • Opportunity for top spenders to win a fully paid 'Manchester United Experience' at Old Trafford.
  • 25% discount on movie tickets twice a month on BookMyShow and INOX.

Cons

  • Lounge access requires a high spend of ₹75,000 in the previous calendar quarter.
  • High annual fee of ₹2,499 for a co-branded card with limited non-football benefits.
  • Reward points on rent, fuel, and utilities are heavily restricted or excluded.

Our Verdict

PhonePe HDFC Bank Uno Credit Card edges ahead overall with a stronger combination of rewards and value. However, ICICI Bank Manchester United Signature Credit Card could be the better pick if its specific category strengths match your spending habits.

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.

Choose ICICI Bank Manchester United Signature Credit Card if

Exclusive access to club merchandise, discounts at the Red Cafe, and chances to visit Old Trafford.

Frequently Asked Questions

Which is better: PhonePe HDFC Bank Uno Credit Card or ICICI Bank Manchester United Signature Credit Card?
PhonePe HDFC Bank Uno Credit Card edges ahead overall with a stronger combination of rewards and value. However, ICICI Bank Manchester United Signature Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between PhonePe HDFC Bank Uno Credit Card and ICICI Bank Manchester United Signature Credit Card?
PhonePe HDFC Bank Uno Credit Card has an annual fee of ₹499, while ICICI Bank Manchester United Signature Credit Card has an annual fee of ₹2,499. PhonePe HDFC Bank Uno Credit Card offers a fee waiver on ₹1,00,000 annual spend. ICICI Bank Manchester United Signature Credit Card offers a fee waiver on ₹2,50,000 annual spend.
Which card has better rewards: PhonePe HDFC Bank Uno Credit Card or ICICI Bank Manchester United Signature Credit Card?
PhonePe HDFC Bank Uno Credit Card offers a base reward rate of 0%. ICICI Bank Manchester United Signature Credit Card offers 0.25% base rewards with bonuses on Manchester United Match Days. The better choice depends on your primary spending categories.
Can I have both PhonePe HDFC Bank Uno Credit Card and ICICI Bank Manchester United Signature Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. PhonePe HDFC Bank Uno Credit Card and ICICI Bank Manchester United Signature Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: PhonePe HDFC Bank Uno Credit Card or ICICI Bank Manchester United Signature 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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