Fees
Annual feeINR 199 + GST
Joining feeINR 199 + GST
Renewal feeINR 199 + GST
Fee waiverAnnual spend of INR 50,000 in previous year
Spend waiverSpend INR 50,000 in 12 months
Interest rate3.40% per month (40.8% per annum)
Late paymentINR 100-INR 1,300 (based on outstanding)
Forex markup3.50%
Cash advance2.5% of amount (min INR 500)
Eligibility
Min income (salaried)INR 10,000 - INR 20,000
Min income (self-emp.)INR 2.5 - INR 4 lakh/year
Credit score650 - 700 (CIBIL score)
Age range21 to 60
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rateYes - extra savings at HPCL pumps via PAYBACK
Cashback capReward earning capped at INR 10,000/month eligible spends (WEF 15-Jan-2026)
Redemption optionsStatement Credit, Gift Vouchers
Points expiry3 Years
Travel & lounge
Domestic lounge0 visits (no lounge benefit)
International lounge0 visits (no lounge benefit)
Lounge conditionsNo
Insurance coverageNo
Hotel/flight offers0% - 5%
ConciergeNo
Forex waiver3.5% (Standard Rate)
Lifestyle
Dining discountsNo
Fuel surchargeYes
OTT subscriptionsNo
E-commerce offersNo
AdditionalRewards earned on first INR 10,000 of eligible spend per month only (cap added Jan–Feb 2026).
Credit limit & EMI
Default limitINR 10,000 - INR 25,000
Max limitINR 50,000 - INR 1.5 lakh
Cash withdrawal20% - 40%
EMI conversionPost-purchase
Min EMI amountINR 2,500 - INR 3,000
Balance transferYes
BT interest rate0% - 0.75% per month
Insurance & protection
Purchase protectionNo
Lost card liabilityYes
Digital & security
ContactlessYes
Virtual cardYes
App featuresReal-time Spend Alerts, Card Lock/Unlock, View Statements, Block Lost/Stolen Card
Card controlsBlock/Unblock Card, Card PIN Reset, Report Lost/Stolen Card
Fraud protectionReal-time Transaction Alerts, Tokenization, OTP
Zero liabilityZero liability if fraud reported within 3 working days
WhatsApp supportYes