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Side-by-Side Comparison|Updated March 2026

PhonePe HDFC Bank Uno Credit Card vs Shaurya SBI 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
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SBI Card

Shaurya SBI Card

7.5/10
Annual Fee₹250
Base Rewards0.0625%
NetworkRuPay
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Feature-by-Feature Comparison

FeaturePhonePe HDFC Bank Uno Credit CardShaurya SBI Card
Annual Fee₹499₹250
Joining Fee₹499₹250
Fee Waiver Spend₹1,00,000₹50,000
Base Reward Rate0%0.0625%
Reward CurrencyCashPointsReward Points
NetworkRuPayRuPay
Editor Rating8/107.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

PhonePe HDFC Bank Uno Credit Card

No accelerated rewards listed

Shaurya SBI Card

  • 0.31% on CSD
  • 0.31% on Dining
  • 0.31% on Movies
  • 0.31% on Grocery

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)

Shaurya SBI Card

Pros

  • Accelerated 5X reward points on CSD, dining, movies, and grocery spends.
  • Low annual fee of ₹250, easily waived on spending ₹50,000 annually.
  • Complimentary Personal Accident Insurance cover of ₹2 Lakh.
  • Welcome bonus of 1,000 reward points effectively offsets the joining fee.

Cons

  • No airport lounge access (available only on the Select variant).
  • Low base reward rate of 0.25% on non-accelerated categories.
  • Redemption fee of ₹99 + GST applies to reward redemptions.

Our Verdict

PhonePe HDFC Bank Uno Credit Card edges ahead overall with a stronger combination of rewards and value. However, Shaurya SBI 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 Shaurya SBI Card if

Tailored benefits for CSD canteen shopping and low maintenance costs.

Frequently Asked Questions

Which is better: PhonePe HDFC Bank Uno Credit Card or Shaurya SBI Card?
PhonePe HDFC Bank Uno Credit Card edges ahead overall with a stronger combination of rewards and value. However, Shaurya SBI 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 Shaurya SBI Card?
PhonePe HDFC Bank Uno Credit Card has an annual fee of ₹499, while Shaurya SBI Card has an annual fee of ₹250. PhonePe HDFC Bank Uno Credit Card offers a fee waiver on ₹1,00,000 annual spend. Shaurya SBI Card offers a fee waiver on ₹50,000 annual spend.
Which card has better rewards: PhonePe HDFC Bank Uno Credit Card or Shaurya SBI Card?
PhonePe HDFC Bank Uno Credit Card offers a base reward rate of 0%. Shaurya SBI Card offers 0.0625% base rewards with bonuses on CSD and Dining. The better choice depends on your primary spending categories.
Can I have both PhonePe HDFC Bank Uno Credit Card and Shaurya SBI Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. PhonePe HDFC Bank Uno Credit Card and Shaurya SBI Card can complement each other if they cover different reward categories.
Which card is better for beginners: PhonePe HDFC Bank Uno Credit Card or Shaurya SBI Card?
For beginners, Shaurya SBI Card may be more approachable with a lower annual fee of ₹250. However, evaluate based on your expected spending pattern rather than fee alone.

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