Fees
Annual feeLifetime Free
Joining feeLifetime Free
Renewal feeLifetime Free
Fee waiverLifetime Free - no annual fee applicable
Spend waiverLifetime Free
Interest rate0.75%-3.5% per month (9%-42% per annum (p.a.))
Late paymentINR 100-INR 800 (based on amount due)
Forex markup1.5% + GST
Cash advanceINR 199 + GST
Eligibility
Min income (salaried)INR 15,000/month
Min income (self-emp.)INR 2,00,000/year
Income requirementIncome Tax Return (ITR) > INR 2.5 lakh/year
Credit scoreFair (680 or above (CIBIL))
Age range21-65 years
Rewards & cashback
Welcome bonusINR 250 gift voucher on first INR 250+ HPCL transaction
Bonus categoriesHPCL fuel, Online shopping, Utilities (2.5% reward)
Travel & lounge
Domestic loungeNo airport lounge access (base tier; Power+ variant has lounge)
International loungeNo international lounge access
Lounge conditionsNo spend condition (see issuer for current terms)
Travel insuranceComplimentary travel cover (INR 5 lakh)
Lifestyle
Dining benefits1-2% cashback on dining partners
Fuel surcharge5% cashback on fuel (up to INR 1,000 capped), 2.5% on utilities/FASTag
ComplimentaryComplimentary roadside assistance, Travel cover
Special offersWelcome gift voucher, Birthday rewards
AdditionalHPCL fuel discount opportunities, Partner offers
Credit limit & EMI
EMI optionsYes - SmartEMI on purchases, 5% cashback on first Equated Monthly Instalment (EMI)
Insurance & protection
Purchase protectionBasic purchase protection (INR 25,000)
Other insurancePersonal Accident INR 50,000
Coverage detailsTravel: INR 5 lakh, Personal Accident: INR 50,000