#1₹3,401/yr
YES ACE Credit Card
4% cashback · Fuel Masters
Best net value on this list — about ₹3,401/yr in your pocket after fees on typical spends.
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Age 21–60 · From ₹20,000/mo income · Unsecured
Fuel Masters·IDFC FIRST Bank
Alternative to BPCL/IOCL for HP pump users.
Age 21–60 · From ₹20,000/mo income · Unsecured
Key Benefits
All 12 benefits →HPCL fuel
30 pts/₹150
₹5,000 eligible spend/mo
Groceries
5X points
Other spends
1X points
Fuel
30 pts/150
On ₹5,000/mo spend
Signup bonus: ₹500 (year 1)
Zero sales calls. Ever.
Caps & exclusions verified · 2026-06-25
On the bank's site: You'll apply on the bank's website. They may ask for contact details and follow up on your application.
We earn commission if approved — at no cost to you.
Rewards, lounge rules, fee perks, and extras — sourced from public issuer information.
Source: IDFC HPCL Power+ T&Cs
BPCL, IOCL & surcharge waivers
Source: IDFC HPCL Power+ T&Cs
HPCL fuel
30 pts/₹150
Cap: ₹5,000 eligible spend/mo
Groceries
5X points
Other spends
1X points
Fee waiver at
₹1,50,000 annual spend
Lounge access
1 domestic airport lounge visit per quarter
Spend criteria: Lounge gated on ₹20,000 spend in the previous calendar month
Fuel waiver
1% surcharge waiver on HPCL fuel ₹400–₹4,000
See worked examples of how points convert to cash value
fuel — 30 pts per ₹150 spend
You spend
₹5,000
You earn
1000 pts
Worth ≈
₹250.00
@ ₹0.25/point
Capped at ₹5,000/month spend for accelerated rate
groceries — 5 pts per ₹150 spend
You spend
₹10,000
You earn
333 pts
Worth ≈
₹83.33
@ ₹0.25/point
all — 1 pts per ₹150 spend
You spend
₹10,000
You earn
67 pts
Worth ≈
₹16.67
@ ₹0.25/point
Redemption reality: Point value varies — cashback redemption is typically lower than travel partner transfers. We use a conservative ₹0.25/pt in calculations.
Based on moderate spend for this market
Est. net annual
₹2,260
per year
Annual fee
Free
per year
Effective return
0.6%
of spend
Rewards minus annual fee on your spend profile
Annual fee ₹499 · Forex 3.5% on international transactions — tap for full fees
Joining fee
Charged in first year
₹499
Annual / renewal fee
Waived on ₹1,50,000 annual spend
₹499
Forex markup
3.5% on international transactions
Finance charges
≈3.5–3.75% per month (42–45% p.a.) if you revolve balance — pay in full to avoid
Late payment fee
₹400–₹1,300 depending on statement balance — always pay on time
Reward redemption fee
Usually ₹0 for cashback cards; points cards may have ₹99+ redemption fee
Example: moderate user · Steady year
Signup bonus is excluded here — switch to Year 1 on the hero or open the calculator for first-year value.
Formulas and assumptions: How we calculate NAV
21–60 years · ₹20,000/mo — tap for full criteria
Important: These are indicative eligibility bands from issuer websites. Actual approval depends on the bank's internal score, existing relationship, and current portfolio policy. CardHungry shows bands, not guarantees.
At moderate spend (₹31,000/mo), gross rewards are about ₹2,680/year. After the ₹499 annual fee, net value is approximately ₹2,260/year. Use the calculator above to model your own spends.
₹20,000/month for salaried applicants (indicative — bank decides).
EMI transactions, Rent, Wallet top-ups, Insurance.
Deeper rankings and comparisons for similar use cases.
YES ACE Credit Card
4% cashback · Fuel Masters
Best net value on this list — about ₹3,401/yr in your pocket after fees on typical spends.
SBI BPCL Octane
25X points · Fuel Masters
Strong runner-up at ₹2,850/yr net — roughly ₹551 behind #1 on the same spend mix.
Axis IOCL Credit Card
20 Edge Miles/₹100 · Fuel Masters
Worth a look — ₹910/yr net, still ahead of 0 other eligible cards.
Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.
