Best Credit Card for Fuel

All Benefits

  • A fuel-focused rewards card earning up to 4% Savings 24 Reward Points per ₹150 on HPCL fuel, HP Pay App spends, plus an additional 1.5% Payback on fuel via the HP Pay App
  • LPG purchases and via the HP Pay App accelerated earn capped at 1,000 Reward Points per statement
  • 2% Savings (10 Reward Points per ₹150) on utility & departmental stores
  • Includes 4 complimentary domestic airport lounge visits per year (1 per quarter),

Fees

Joining Fee 500 bonus Reward Points on spends of ₹5,000 or more within 60 days of card issuance
₹589
₹499 + GST
Annual Fee The annual fee is waived if you spend ₹50 thousand or more in a year on your card, as per bank policy
₹589
₹499 + GST

Eligibility

Age
21-60 years
Salary
₹30K / Month
Credit Score
720+

Bank Fee Structure

Forex Markup 3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency Examples (3.5%): ₹100 → ₹3.5 ₹1,000 → ₹35 ₹10,000 → ₹350 ₹1,00,000 → ₹3,500
3.5%
Finance Charges (APR) Finance charges of 3.75% per month (45% per annum) apply on unpaid outstanding balances until the amount is fully repaid
3.75%
ATM Withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card minimum ₹500, if applicable
2.5%
Reward Redemption No fee is charged when redeeming reward points on this card
Not Applicable
Railway Surcharge A surcharge of 1% is applied to transactions made for booking railway tickets
1%
Rent Payment A surcharge fee of 1% applies on rental transactions made using the credit card
1%
Cheque Payment A fee of 2% of the payment amount (minimum ₹500) is levied for cheque return, cheque dishonour, or auto-debit reversal
2%
Cash Payment A fee of ₹250 is levied for every cash payment made towards the card
₹250

Late Payment Charges

Amount dueFee
₹0 - ₹100₹0
₹101 - ₹500₹100
₹501 - ₹1,000₹400
₹1,001 - ₹10,000₹750

Additional ₹100 is charged if Minimum Amount Due remains unpaid for two consecutive cycles, continuing until cleared

Reward Exclusions

EMI TransactionsWallet LoadRentGovernment SpendsCash AdvancesATM WithdrawalsJewellery

Terms & Conditions

  • The bank may offer a different card variant based on your eligibility; please carefully review the features and benefits of the card offered before submitting your application
  • A minimum transaction of ₹100 within 30 days of card issuance is required to activate the card, failing which you will not be eligible for rewards

Full charges and terms: Bank MITC / Terms