Welcome Benefits
up to ₹2,500

Interest free
ATM cash withdrawal for upto 45 days

Up to 6.5% savings
On HPCL Fuel

Additional 1.5% Value back
in the form of Happy Coins on fuel purchases through HPPay App

5% savings
on Grocery, Utility & IDFC FASTag recharges

Lounge Access*
complimentary Airport lounge visits per quarter
complimentary Railway lounge visits per quarter

25% off on movie tickets
up to ₹100, once every month

3X Rewards
other everyday expenses per ₹150

Insurance Cover
Personal Accident cover of upto ₹10,00,000
Lost Card Liability Cover of ₹25,000
Free Complimentary Road Side Assistance worth ₹1,399

Low interest rates
starting from 8.5% Per Annual

No Rush to Redeem
Reward points that never expire

Fees & Charges
₹499 – JOINING FEE
₹499 – ANNUAL FEE (2nd year onwards) waived off on spends of ₹1,50,000 or more in a year