Key Features & Benefits
- ✦13X Reward Points at BPCL petrol pumps (approximately 4.25% value back)
- ✦5X Reward Points on dining, grocery, and movie purchases
- ✦1X Reward Points on all other eligible spends
- ✦1% fuel surcharge waiver at BPCL
- ✦Total effective saving at BPCL: ~4.25% + 1% surcharge waiver
- ✦Annual fee waiver on ₹50,000 spend
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Welcome & Joining Benefits
- ✦Check bank website for current benefits
Milestone Benefits
- ✦₹50,000 annual spend → fee waived
Pros & Cons
✓ Advantages
- ✓13X at BPCL = 4.25% value back — one of best fuel savings rates
- ✓5X on dining + grocery makes it a good everyday card too
- ✓Very low fee easily waived
✗ Disadvantages
- ✗Locked to BPCL network only
- ✗No lounge access
- ✗3.5% forex
Frequently Asked Questions
How does 13X reward at BPCL translate to savings?▼
At 13X points, for every ₹150 spent at BPCL you earn 13 reward points. 1 HDFC Reward Point = ₹0.25 at standard redemption, so 13 pts = ₹3.25 value back on ₹150 spent = approximately 2.17%. Plus 1% surcharge waiver = ~3.17% total. On SmartBuy, value can be higher.
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