Key Features & Benefits
- ✦30X Reward Points per ₹150 on HPCL fuel (6.25% effective rate)
- ✦30X Reward Points per ₹150 on grocery, IDFC FASTag recharge, utility bills
- ✦3X Reward Points per ₹150 on all other retail and UPI transactions
- ✦1% fuel surcharge waiver at HPCL
- ✦1 complimentary domestic lounge visit per quarter (4/year)
- ✦Railway lounge visits per quarter
- ✦Buy 1 Get 1 movie tickets (spend-gated)
- ✦Annual fee waiver on ₹1.5L annual spend
- ✦Reward Points never expire
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Welcome & Joining Benefits
- ✦₹500 cashback on first HPCL fuel transaction above ₹500
- ✦5% cashback on first EMI transaction (up to ₹1,000)
Milestone Benefits
- ✦₹1.5L annual spend → ₹499 annual fee waived
Pros & Cons
✓ Advantages
- ✓30X on HPCL fuel = 6.25% — among the highest fuel rewards in India
- ✓30X on grocery + utility = covers everyday household expenses too
- ✓Annual fee waived at ₹1.5L spend — very easy
- ✓Lounge access at very low fee
- ✓Rewards never expire
✗ Disadvantages
- ✗3.5% forex
- ✗Limited to HPCL pumps for maximum rewards
- ✗Only 1 domestic lounge visit per quarter
Frequently Asked Questions
How does 30X translate to rupee savings?
At 30X, you earn 30 RPs per ₹150 spent at HPCL. 1 RP = ₹0.25, so 30 RPs = ₹7.50 per ₹150 spend = 5% value back. Plus 1% surcharge waiver = 6% total savings, plus any redemption portal bonuses.
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