70% split equally across Shopping, Travel, Dining; 30% other eligible spend. Standard redemption value. Renewal year; joining costs and taxes excluded.
Use for HPCL fuel and LPG spends where card-linked savings are explicitly active
Fuel category benefits can have merchant/MCC constraints; verify eligible outlets periodically
Latest change: Aligned HPCL Energie to issuer terms: ₹499 joining/annual fee, ₹50K waiver threshold, and lounge eligibility of 1 visit...
For Fuel spends with occasional travel. 0.5% on general spend. ₹499 fee, waiver at ₹50,000 / year. Lounge rule: ₹20,000 / quarter.
You should be able to scan the fee, waiver rule, best use case, lounge condition, and biggest downside in one pass.
Fuel spends with occasional travel
These are the rules and drawbacks most likely to make the card feel disappointing after signup.
How to use the card well, and what to watch before applying.
Compare this card side-by-side or jump into a few strong alternatives before you move into the deeper research sections.
Travel & lounge access
Travel & lounge access
Travel & lounge access
Keep the topline simple first. Open the calculators only if the fee, waiver rule, and reward shape still look attractive.
Joining fee ₹499
Annual fee waiver on ₹50,000 annual spend
General spend
70% split equally across Shopping, Travel, Dining; 30% other eligible spend. Standard redemption value. Renewal-year estimate after annual fee; excludes joining costs, taxes and unmodeled exclusions.
Live offers, redemptions, and milestone math are useful for optimization, but they should not crowd the main decision.
Offer availability changes often.
This card is better treated as direct cashback or feature value.
No standout milestone boost highlighted.
Keep the headline simple first. Open the full checklist and airport map only if lounge access matters for this card.
0 domestic • 0 international policy count
Card-level policy notes: • Lounge access is limited to one visit per quarter and requires spend qualification. • 1 complimentary domestic airport lounge visit per quarter after ₹20,000 net spend in preceding calendar quarter. Verify latest spend criteria and guest access with issuer before travel.
Derived from card policy signals
Lounge access data for this card could not be confidently matched. Please verify lounge eligibility directly with the issuer before relying on access.
Review excluded spending, renewal charges and benefit conditions before deciding whether this card fits your needs.
This card does not have publishable enrichment records in the current high-confidence snapshot.
Check which benefits have issuer evidence, when each field was reviewed, and where the model remains incomplete.