SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for fuel, hpcl, and UPI.
Why it can work
It combines complimentary airport lounge access and accelerated rewards on hpcl fuel spends.
Where value may drop
The renewal fee is waived only on Rs 1.5 lakh of annual spend. Monthly reward caps apply on the top categories. The 3.5% forex markup is high for overseas use.
Quick facts
The key fields before the full details.
Reward calculator
Enter your monthly spend to estimate how many 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 | Reward Points/yr |
|---|---|---|
| Fuel | Rs 3,000 | 7,200 |
| Groceries | Rs 5,000 | 3,000 |
| Utility bills | Rs 3,000 | 1,800 |
| 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 HPCL Fuel Spends
30 Reward Points per INR 150 spent
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 expect uncapped rewards
Top reward categories are capped each month, so very high spends don't scale linearly.
Rewards and redemption
Earn rates, caps, and how points convert to value.
| Category | Rate | Monthly cap |
|---|---|---|
| HPCL Fuel spends | 30 Reward Points per INR 150 spent | 2,400 reward points |
| Grocery and utility bills spends | 30 Reward Points per INR 150 spent | 400 reward points |
| Other retail and UPI spends | 3 Reward Points per INR 150 spent | - |
Redemption
Lounge and milestone rules
The spend conditions worth knowing before you rely on a benefit.
- 1 complimentary domestic airport lounge visit per quarter, subject to a minimum spend of Rs 20,000 in the previous calendar month.
Exclusions
Categories that earn no rewards on this card.
- Fuel transactions at non-HPCL stations
- EMI transactions
- Cash withdrawal / cash advance transactions
Benefits and fine print
Welcome, renewal, and other listed benefits.
Additional benefits
- 5.0% return value in Reward Points on HPCL fuel spends plus 1.5% as Happy Coins on HP Pay app
- 5.0% return value on grocery and utility spends
- 1% fuel surcharge waiver up to Rs 200 per statement cycle at HPCL stations
- Reward points are valid for 24 months
Eligibility
Check this before you apply.
Salaried
- Age: 21 to 60 years
- Minimum net monthly salary of Rs 25,000
Self-employed
- Age: 21 to 60 years
- Minimum annual ITR of Rs 3,00,000
Compare before you decide
Alternatives based on what you might want instead.