SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for fuel, hpcl, and utility bills, and you want your rewards as simple, no-tracking cashback.
Why it can work
It combines complimentary airport lounge access and accelerated rewards on utility, departmental store & grocery spends.
Where value may drop
The renewal fee is waived only on Rs 1.5 lakh of annual spend. Rent, insurance, and wallet loads don't earn rewards. Monthly reward caps apply on the top categories.
Quick facts
The key fields before the full details.
Reward calculator
Enter your monthly spend to estimate how many cashback and reward points you earn and what they are worth.
What your points are worth
Same points, very different value depending on how you redeem.
How you earn it
| Category | Monthly spend | Cashback And Reward Points/yr |
|---|---|---|
| Online shopping | Rs 15,000 | 3,130 |
| Fuel | Rs 3,000 | 1,440 |
| Groceries | Rs 5,000 | 1,043 |
| Utility bills | Rs 3,000 | 626 |
| Other spends | Rs 8,000 | 1,920 |
Estimates only. Reward rates, caps, and redemption values follow each bank's current terms and can change.
Best for / avoid if
Who this card suits — and who should skip it.
Best for simple cashback
4% cashback on fuel spends at hpcl outlets, auto-credited with no points to manage.
Best for airport lounge access
4 complimentary lounge visits a year across domestic and international.
Avoid for heavy international use
A 3.5% forex markup is on the higher side for overseas spends.
Avoid if you spend big on rent, insurance, and wallet loads
These categories are excluded and won't earn rewards.
Rewards and redemption
Earn rates, caps, and how points convert to value.
| Category | Rate | Monthly cap |
|---|---|---|
| Fuel spends at HPCL outlets | 4% cashback | 200 cashback and reward points |
| Utility, Departmental Store & Grocery spends | 20 Reward Points / Rs 100 spent | 400 cashback and reward points |
| Other retail spends | 2 Reward Points / Rs 100 spent | - |
Redemption
Lounge and milestone rules
The spend conditions worth knowing before you rely on a benefit.
- Complimentary domestic airport lounge access (1 visit per quarter) requires a minimum spend of Rs 75,000 in the previous calendar quarter.
Exclusions
Categories that earn no rewards on this card.
- Rent payments
- E-wallet loading transactions
- Insurance payments
- Government transactions
- Tax payments
- Education spends
- Cash withdrawals
- EMI transactions
Benefits and fine print
Welcome, renewal, and other listed benefits.
Joining benefits
- 2,000 Reward Points upon card activation and payment of joining fee
- Rs 100 cashback on HP Pay app upon first successful fuel transaction of min Rs 1,000
Additional benefits
- 5% savings on HPCL fuel purchases: 4% cashback plus 1% fuel surcharge waiver
- Additional 1.5% benefit as reward points on HP Pay app fuel purchases at HPCL outlets
- 25% discount on BookMyShow and INOX movie tickets (minimum 2 tickets), capped at Rs 100 twice a month, subject to spending Rs 25,000 in the preceding calendar quarter
Additional details
- 1% fuel surcharge waiver applies to transactions up to Rs 4,000 at HPCL petrol pumps
- A transaction fee of 1% applies to utility payments exceeding Rs 50,000 per month
Eligibility
Check this before you apply.
Salaried
- Age: 21-65 years
- Minimum net monthly salary: Rs 20,000
Self-employed
- Age: 21-65 years
- Minimum annual ITR: Rs 2,40,000
Compare before you decide
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