fuel

Union UNI-CARBON Credit Card

HPCL co-branded fuel card returning up to 4% cashback plus payback points at the pump.

Annual Fee
₹499 (Joining ₹499; waived on ₹1L spend/year)
Rewards
16 RP per ₹500 fuel spend (~4% cashback) + 6 HP Payback points at HPCL; 2 RP/₹100 non-fuel
Lounge Access
No
Fuel Waiver
1% (₹200+ transactions, ₹100/mo cap)
Milestone
500 RP at ₹1.25L spend, scaling to 1,000 RP per ₹50K beyond ₹2L
Best For
Heavy fuel spenders, especially at HPCL
Welcome Offer
₹300 credited on first HPCL transaction of ₹300+ within 60 days
Type
Fuel (HPCL co-branded)
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Description

Co-branded with HPCL, earning ~4% cashback (16 reward points per ₹500) on fuel spends plus 6 HP Payback points at HPCL stations via HP Pay or POS, and 2 reward points per ₹100 on non-fuel spends. Joining and annual fee ₹499, waived on ₹1L spend in the previous year. Includes a 1% fuel surcharge waiver, ₹10L air accident cover, and milestone bonuses from ₹1.25L annual spend. Welcome offer: ₹300 credited on your first HPCL fuel transaction.

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