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Axis Bank and HDFC Bank both have collaborated with different payment platforms — super.money by Flipkart and PhonePe respectively. Through these partnerships, both the card providers offer co-branded credit cards, namely Axis Bank SUPERMONEY and PhonePe HDFC Uno. These are entry level cards on RuPay network and allow the cardholders to earn value-back on UPI transactions. However, despite these similarities, their preferred spending categories and value-back systems vary and cater to different customer bases.

Given below is a detailed comparison on the fees, features and benefits of both these cards to help the customers make an informed decision when it comes to choosing between these newly launched RuPay credit cards:

Credit Card Fee and Joining Bonus

Joining/Annual Fee

  • Axis Bank SUPERMONEY Credit Card: Nil
  • PhonePe HDFC Bank Uno Credit Card: Rs. 499 + applicable taxes

Welcome Benefit

As a zero annual fee card Axis SUPERMONEY does not offer any joining bonus, whereas PhonePe HDFC Uno comes with a welcome benefit worth its joining fee, but in phases:

  • Rs. 249 PhonePe gift card on the 1st UPI spend
  • 10 PhonePe gift cards of Rs. 25 each (worth Rs. 250 combined) over the next 10 UPI spends

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Rewards Program Comparison

The rewards program is the main benefit offered by both the credit cards, as discussed below:

Value-back Axis SUPERMONEY PhonePe HDFC Uno
Accelerated Rate 3% cashback on QR transactions on super.money app/platform 2% RPs on PhonePe spends like recharges, utilities, bill payments, movies, hotels, travel & PhonePe PINCODE and travel switch categories on PhonePe
Base Rate 1% cashback on all other eligible card spends Category 1: 1% RPs on Amazon, Flipkart, Myntra, Ajio, Swiggy, Zomato and Uber
Category 2: 1% RPs on Scan & Pay spends
Capping Rs. 500 cashback per month 2% RPs: 500 RPs per month
1% RPs: 500 RPs per month each for Category 1 & 2
Redemption Options 1:1 cashback 1 RP = Rs. 1 as cashback
1 RP = Rs. 0.30 for flight & hotel bookings via SmartBuy, Airmiles and product catalogue

Reward Type & Redemption:

Here, Axis Bank Credit Card offers cashback on the card spends, while the HDFC card offers reward points. However, when redeemed as cashback, both cards offer the same redemption ratio of 1:1. The redemption value drops only if you redeem your HDFC Credit Card reward points for other non-cashback options. 

Value-back Rate:

When it comes to value-back rate on different spending categories, both cards offer better value-back on their co-branded platforms, however the type of spends in focus differ from one another. Axis SUPERMONEY offers higher savings of 3% on UPI transactions made using super.money platform. On the other hand, PhonePe Uno credit card offers accelerated savings of 2% on select PhonePe spends which mainly include bill payments and lifestyle-related spends like movie, travel and home delivery of everyday-use items. Both cards offer a base value-back of up to 1% on all other spends.

If you wish to save more on UPI spends then Axis SUPERMONEY is the better choice as it offers 2% more savings than HDFC PhonePe Uno. However, if spends related to bill payments, movies, travel and shopping of everyday-use items are your main focus, then PhonePe Uno is a more suitable option.

Monthly Capping on Value-back:

Axis SUPERMONEY comes with a capping on overall cashback earnings, while HDFC Uno comes with a category-wise capping. SUPERMONEY allows the users to earn cashback worth up to Rs. 500 in a month on maximum monthly spends of up to Rs. 50,000 (if only 1% cashback categories are considered). While PhonePe Uno cardholders can earn reward points worth up to Rs. 1,500 every month on a spending amount of up to Rs. 1.25 lakh.

The disparity in the capped values shows that high-spenders should opt for HDFC PhonePe Uno, as opposed to the Axis variant, to be able to maximise their value-back earnings.

Suggested Reads: Best Cashback Credit Cards | Best Rewards Credit Cards

Other Features & Benefits

In addition to the reward points and cashback, the cardholders can also avail the following features:

Features Axis SUPERMONEY PhonePe HDFC Uno
Renewal Fee Waiver NA On Rs. 1 lakh annual spends
1% Fuel Surcharge Waiver Up to Rs. 400 per month on fuel spends of Rs. 400 to Rs. 4,000 Up to Rs. 250 per month on fuel spends of Rs. 400 to Rs. 5,000

Axis SUPERMONEY vs. HDFC PhonePe Uno: Which Card to Choose?

Both the cards are associated with different payment platforms. So, if you have any platform loyalties or preferences, you should consider them while deciding which credit card to apply for. Further key points to keep in mind when making the card selection are given below –

Choose Axis SUPERMONEY Credit Card If:

  • You majorly rely on UPI to make your purchases and want good value-back on them
  • You prefer to earn direct cashback on your spends
  • You are looking for a card that doesn’t charge any joining or annual fee

Choose PhonePe HDFC Uno Credit If:

  • You use or don’t mind using the associated platforms for everyday needs, bill payments, movies, and travel, and want to earn rewards on these spends
  • You wish to maximise your savings by redeeming the accrued reward points as cashback
  • Your usual annual spends made using this card can meet the fee waiver condition
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