Best Credit Card for Fuel

All Benefits

  • 3.5% savings on fuel spends: 21 rewards points per Rs. 150 spent on HPCL fuel, up to 700 rewards in a statement cycle
  • 1.5% savings through HP Pay App: 6 Happy Coins per Rs. 100 on fuel spends through HP Pay App, up to 600 Happy Coins per month
  • 2.5% savings On Grocery & Utility Spends: 15 reward points per ₹150 spent, up to 400 rewards per statement cycle
  • 2.5% savings on IDFC FIRST FASTag Recharge: via HPCL Power card as 15 reward points per ₹150 spent, up to 200 rewards per statement cycle
  • Up to 8.67% savings on travel spends: 52 reward points per ₹150 spent on hotels and 32 points per ₹150 spent on flights through Travel & Shop section on IDFC FIRST Mobile App

Fees

Joining Fee Reversed on spending ₹50,000 in the anniversary year.
₹235
₹199 + 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.
₹235
₹199 + GST

Eligibility

Age
21-60 years
Salary
₹25K / 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
3.50%
Finance Charges (APR) Interest rates are dynamic and range from 0.71% to 3.85% per month (8.5%–46.2% p.a.).
3.85%
ATM Withdrawal A ₹199 fee is charged per domestic cash withdrawal, with 0% interest until the due date (up to 45 days).
₹199
Reward Redemption A reward redemption handling fee of ₹99 plus applicable GST is charged per redemption request.
₹99
Railway Surcharge 1% fee beyond ₹25,000 Passenger Railway spends per statement cycle; platform charges extra.
1%
Rent Payment 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges
1%
Cheque Payment No cheque payment fee is charged
N/A
Cash Payment N/A
N/A

Late Payment Charges

Amount dueFee
₹0 - ₹100₹0
₹500₹100
₹5000₹750
₹8000₹1200
₹10,000₹1300
₹10,000 & above₹1300

Late payment charges are 15% of the Total Amount Due from the previous statement, minus any payments received before the due date (minimum ₹100, maximum ₹1,300).

No Rewards On

Insurance premium paymentsfuel spendsEMI transactionsATM cash withdrawalsutility spendsgrocery spends and IDFC FIRST FASTag recharges.

Excluded Spends

ATM withdrawalsInsuranceEMIBalance TransferFees & ChargesReversals/Refunds

Terms & Conditions

  • The bank may offer a different card variant based on your eligibility. Please carefully read the features of the card offered before submitting your application.

Full charges and terms: Bank MITC / Terms