Compare credit cards
Compare up to three credit cards side by side. Explore fees, rewards and benefits to find the right card for you.
See how annual fees, rewards and benefits differ, so you can choose a credit card that suits your spending and needs.
Comparison dimension
See how annual fees, rewards and benefits differ, so you can choose a credit card that suits your spending and needs.
Best for
Best forA typical fit, not personalised advice.
- May suit those who fill fuel at HPCL pumps or via the HP Pay app and pay utility.
- Less suited to — Those with mostly non-fuel, non-utility spends may wish to compare other cards.
Fees & ownership
Annual / renewal fee
₹500 + GST
Joining fee
₹500 + GST
Fee waived at
Spend ₹1,50,000 a year
Rewards & value
Base rewards
reward points
Accelerated rewards
Earning terms not yet recorded from the issuer’s own documents
Effective valueNeeds an annual spend to mean anything — the card value calculator asks for one.
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Reward point valueThe rupee value per point recorded for the card’s reward programme.
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Reward cap
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Important conditions
Major reward exclusions
No reward points on fuel, cash advances, rent, e-wallet loads, EMI, balance transfer, personal loan on card, fees, interest and charges
Travel & lifestyle
Lounge access
Domestic: 1 / quarter
Lounge requirementWhat has to be true before a lounge visit is free
1 domestic lounge visit per quarter for the primary cardholder on ₹75,000 spend in the previous quarter
Forex markup
3.5%
Everyday benefits
Fuel benefit
Offered — cap not stated
RuPay / UPI support
—
Eligibility
Minimum income
—
Other costs
Finance chargeWhat an unpaid balance costs
3.75% per month
Decision
Good to knowThe one condition most likely to change the maths.
No reward points on fuel, cash advances, rent, e-wallet loads, EMI, balance transfer, personal loan on card, fees, interest and charges
Missing values were not published by the issuer; PaisaKhoj does not estimate them. A highlighted figure marks the lower or higher of two directly comparable amounts on that row alone — it is not a recommendation, and no card here is named an overall winner.