Axis Bank and HDFC Bank have partnered with two popular digital platforms to launch new RuPay credit cards. Axis Bank offers the SUPERMONEY Credit Card with super.money by Flipkart, while HDFC Bank has introduced the PhonePe Uno Credit Card in partnership with PhonePe.
Both cards enable users to earn value back on UPI payments and everyday spends. However, their rewards system, charges, and benefits are designed for different types of users.
This detailed comparison will help you choose the right RuPay credit card based on your spending habits.
Fees and Joining Benefits
Joining and Annual Fee
Axis SUPERMONEY Credit Card
- No joining fee
- No annual fee
HDFC PhonePe Uno Credit Card
- Joining fee of Rs. 499 plus taxes
- Renewal fee applicable
Welcome Benefit
Axis SUPERMONEY
- As a zero-fee card, it does not offer a joining bonus
PhonePe HDFC Uno
- Rs. 249 PhonePe gift card on first UPI spend
- Ten PhonePe gift cards worth Rs. 25 each on the next ten UPI spends
Rewards and Value Back Comparison
The biggest attraction of both cards is the reward structure. Here is a clear comparison.
Value Back Structure
Axis SUPERMONEY
- Accelerated value back: Three percent cashback on QR transactions on super.money
- Base value back: One percent cashback on all other eligible spends
- Monthly cashback capping: Up to Rs. 500
HDFC PhonePe Uno
- Accelerated value back: Two percent reward points on selected PhonePe spends such as recharges, bill payments, movies, hotels, travel, PINCODE delivery and PhonePe travel switch
- Base value back category one: One percent reward points on Amazon, Flipkart, Myntra, Ajio, Swiggy, Zomato and Uber
- Base value back category two: One percent reward points on Scan and Pay spends
- Monthly reward capping:
- Two percent category capped at five hundred reward points
- One percent category one capped at five hundred reward points
- One percent category two capped at five hundred reward points
Reward Type and Redemption
Axis SUPERMONEY
- Cashback based rewards
- Cashback redemption ratio of one to one
PhonePe HDFC Uno
- Reward point based system
- When redeemed as cashback, one reward point equals one rupee
- Redemption value reduces when used for hotels, flights or catalogue items
Which Card Gives Better Value Back
Both cards give maximum value when used on their partner platforms.
Axis SUPERMONEY
- Better for UPI spends
- Ideal for users who want higher cashback on QR-based payments
- Saves more because it offers a higher accelerated rate on super.money transactions
HDFC PhonePe Uno
- Better for regular PhonePe users
- Ideal for people who spend frequently on bill payments, movies, travel and lifestyle categories
- Offers broader accelerated categories than Axis
If you mainly use UPI, Axis SUPERMONEY is the stronger option.
If you want rewards on lifestyle expenses, HDFC PhonePe Uno fits better.
Monthly Capping Comparison
Axis SUPERMONEY
- Overall monthly cashback capped at Rs. 500
- Suitable for low or medium spenders
HDFC PhonePe Uno
- Category wise capping that totals up to a higher reward opportunity
- Suitable for medium and high spenders
- Monthly earning potential up to fifteen hundred reward points
High spenders will benefit more from HDFC PhonePe Uno, while moderate users may prefer the simplicity of the Axis variant.
Additional Features
Axis SUPERMONEY
- No renewal fee waiver
- Fuel surcharge waiver up to Rs. four hundred per month
HDFC PhonePe Uno
- Renewal fee waiver on annual spends of one lakh
- Fuel surcharge waiver up to Rs. two hundred fifty per month
Which Card Should You Choose
Here are simple points to guide your decision.
Choose Axis SUPERMONEY If
- You rely heavily on UPI for all your daily purchases
- You prefer simple cashback instead of reward points
- You want a lifetime free credit card
- You want value back without worrying about fees
Choose PhonePe HDFC Uno If
- You spend regularly on PhonePe for recharges, utilities, travel or movies
- You want more categories to earn rewards
- You want higher monthly earning potential
- You can meet the renewal fee waiver requirement
- You want flexibility in redeeming reward points
Final Verdict
Both RuPay credit cards offer excellent value for digital payment users. The Axis SUPERMONEY card is best suited for UPI-heavy users who want hassle free cashback with zero cost. The PhonePe HDFC Uno card is ideal for users who spend broadly across lifestyle categories and want higher monthly rewards.
You should choose based on where you spend the most and whether you prefer cashback or reward points.