3.50% cashback on fuel purchases 
✔︎ 2.50% special cashback on HPCL fuel purchases
- You earn ₹2.50 cashback, on every ₹100 you spend at HPCL pumps.
- This benefit is valid only on HPCL fuel expenses upto ₹8000 per month, since maximum cashback is capped at ₹200 per month.
- This benefit is applicable only on a minimum fuel transaction amount of ₹500.
✔︎ 1% fuel surcharge waiver at all fuel stations, only on fuel transactions upto ₹4000 per month

0.50% benefit on all other card spends
– You earn 2 reward points worth ₹0.50 (50 paise), on every 100 you spend on all other card purchases.
– 1 reward point = 0.25 (25 paise), and can be redeemed on ICICI's rewards redemption platform for vouchers, products and more.
– Exceptions : No rewards are given on non-HPCL fuel spends, EMI transactions, balance transfer (BT), personal loan on credit cards (PLCC), cash advance, payments of fees, interest and other charges.

Complimentary domestic airport lounge access – 1 time per quarter
– This benefit is applicable only if you spend a minimum of ₹5000 on your credit card, in the previous quarter

25% discount (upto ₹100) at BookMyShow movie tickets - 2 times per month
– You can avail this offer 2 times a month, at BookMyShow
– When you purchase a minimum of two tickets, you get a 25% discount (upto ₹100)
– Hence you get a 25% discount on movie ticket transactions upto ₹400. On transactions above ₹400, your discount percentage would fall below 25%.

25% discount (upto ₹100) at Inox movie tickets - 2 times per month
– You can avail this offer 2 times a month, at Inox
– When you purchase a minimum of two tickets, you get a 25% discount (upto ₹100)
– Hence you get a 25% discount on movie ticket transactions upto ₹400. On transactions above ₹400, your discount percentage would fall below 25%.

Complimentary road side assistance with add-on benefits : On-site roadside repair, vehicle towing to the nearest authorized workshop, taxi services, fuel delivery, locked/lost key benefit, accommodation / emergency assistance, vehicle repatriation, replacement / courtesy car, replacement of battery, car wash and general checkup, car concierge and more.

Domestic adventure road trip
– Exclusive week-long adventure roadtrip, partially sponsored, especially curated for you with self- drive in personal vehicles.
– Accompanied by expert adventure guides
– This trip is organised every year for top spenders of Accelero ICICI Bank Credit Cards.

Benefits
– Automobile card, which gives higher benefit on fuel purchases, complimentary roadside assistance with add on benefits like complimentary car wash, and chance to participate in an adventure road trip.
– Complimentary domestic airport lounge access – 1 time per quarter.
– Discount on movie tickets

Drawbacks to consider
– Will need to consider other credit cards, to get benefits on other important spends like shopping, travel.

7.25% earning on fuel purchases, including 1% fuel surcharge waiver - on fuel purchases up to ₹10,000 per month
✔︎ 6.25% benefit on BPCL fuel purchases
– You earn 25 reward points worth ₹6.25, on every ₹100 you spend on BPCL fuel purchases
– This benefit is valid only on fuel purchases up to ₹10,000 per month (since the maximum reward points given at this special rate is 2500 reward points per month).
– This benefit is valid only on BPCL lubricant purchases and Bharat Gas (website and app only). On Bharat Gas, special reward points are restricted to 500 reward points per monthly card billing cycle.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed by converting them to BPCL vouchers.
✔︎ 1% fuel surcharge waiver at BPCL fuel pumps, upto ₹100 per month
– This benefit is valid only on fuel transactions upto ₹4000, and
– Only on fuel spends upto ₹10,000 per month (since the waiver amount is limited to ₹100 per month)

2.50% benefit on following card spends - groceries || departmental stores || movies || dining - on total spends of up to ₹75,000 per month
– You earn 10 reward points worth ₹2.50, on every ₹100 you spend in these categories
– This benefit is valid only on total spends of up to ₹75,000 per month across these categories (since the maximum reward points given at this special rate is 7500 reward points per month).
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed by converting them to BPCL vouchers.

0.25% basic benefit on all other card spends
– You earn 1 reward point worth ₹0.25 (25 paise), on every ₹100 you spend on all other card purchases.
– Exceptions : No reward points are given on mobile wallet loads and non-BPCL fuel spends.

Upto 0.66% additional benefit at ₹3 lakhs annual card spend (milestone privileges)
– You receive gift vouchers worth ₹2000 (from Aditya Birla Fashion, Yatra, or Bata/Hush Puppies), at ₹3 lakh yearly card spend.

Complimentary airport lounge access in India – 1 time per quarter

Complimentary ‘fraud liability’ insurance cover of ₹1 lakh - giving peace of mind in case the card is misused.

Benefits
– Attractive benefit rate of 7.25%% on monthly fuel spends at BPCL outlets – 6.25% on fuel purchases, and 1% waiver on fuel surcharge.
– Good benefit rate of 2.50% on groceries, departmental stores, movies & dining. This is a good rate if you do not want to get multiple specialist cards for different categories of your spends.
– Complimentary domestic airport lounge access, 1 visit per calendar quarter

Drawbacks
– You are restricted to BPCL Outlets to enjoy fuel benefits
– You need to consider other credit cards to earn rewards on other spend categories like travel

6.50% earning on fuel (petrol, diesel and LPG) purchases
■ 4% cashback on HPCL fuel purchases
– You earn 16 reward points worth ₹4, on every ₹100 you spend at HPCL pumps
– This is valid only on HPCL fuel purchases of upto ₹6250 per month, since accelerated reward points are restricted to 1000 reward points per month.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed as cashback.
■ Additional 1.50% benefit on HPCL fuel purchases through HP Pay App
– You earn additional 6 Payback points worth ₹1.50 , on every ₹100 you spend at HPCL fuel outlets through your HP Pay app.
– This benefit is restricted to monthly fuel purchases upto ₹5000 per month
– 1 Payback point = ₹0.25 or 25 paise.
■ 1% fuel surcharge waiver at all fuel stations, upto ₹100 per month
– Only on fuel transactions between ₹400 and ₹5000, and
– Only on fuel purchases upto ₹10,000 per month (since the waiver amount is restricted to ₹100 per month).

1.66% benefit on utilities, groceries & department store spends 
– You earn 6.66 reward points worth ₹1.66, on every ₹100 you spend in these categories
– This is valid only on total monthly spends upto ₹15000 across these categories, since accelerated reward points are restricted to 1000 reward points per month.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed as cashback.

0.33% benefit on all other card purchases 
– You earn 1.33 reward points worth ₹0.33 (33 paise), on every ₹100 you spend on all other purchases
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed as cashback.

Complimentary airport lounge access in India – 1 time per quarter

25% movie benefit at Paytm Movies, upto ₹200 per month 
– This offer can be availed 2 times per month.
– You need to do a transaction of minimum 2 tickets. You get a 25% discount, upto maximum ₹100 discount per transaction.
– Hence you get a 25% discount on a ticket purchase transaction up to ₹400. On purchases above ₹400, you will get a maximum discount of ₹100 and your discount percentage would be lower than 25%.

Benefits
– Attractive benefit of 6.50% on monthly fuel spends
– Low annual card spend target of ₹50,000 to get annual fee waiver
– Complementary domestic airport lounge access – once per calendar quarter (4 times per year)
– 25% discount on Paytm Movies, upto ₹200 per month

Drawbacks
– You are restricted to HPCL fuel pumps to get attractive fuel rewards

3.50% cashback on fuel purchases - on fuel purchases upto ₹4000 per month
✔︎ 2.50% cashback on HPCL fuel purchases
- You earn ₹2.50 cashback, on every ₹100 you spend at HPCL pumps.
- This benefit is valid only on HPCL fuel expenses upto ₹4000 per month, since maximum cashback is capped at ₹100 per month.
– This benefit is applicable only on a minimum fuel transaction amount of ₹500.
✔︎ 1% fuel surcharge waiver – at all fuel stations, only on all fuel purchases upto ₹4000 per month.

0.25% benefit on all other spends
– You earn 1 reward point worth ₹0.25 or 25 paise, on every 100 you spend on all other card purchases.
– 1 reward point = 0.25 (25 paise), and can be redeemed on ICICI’s rewards redemption platform for a variety of vouchers and products.
– Exceptions : No reward points are given non-HPCL fuel, EMI transactions, balance transfer (BT), personal loan on credit cards (PLCC), cash advance, payments of fees, interest and other charges.

25% discount (upto ₹100) at BookMyShow movie tickets - 2 times per month
– You can avail this offer 2 times a month, at BookMyShow
– When you purchase a minimum of two tickets, you get a 25% discount (upto ₹100)
- Hence you get a 25% discount on movie ticket transactions upto ₹400. On transactions above ₹400, your discount percentage would fall below 25%.

1% fuel surcharge waiver : You get a 1% waiver fuel surcharge, only on HPCL fuel transactions below ₹4000.

Benefits
– Entry level fuel card, you get 3.50% cashback on HPCL fuel purchases upto ₹4000 per month
– Low annual fee of ₹199
– Low annual card spend requirement of ₹50,000, to get an annual fee waiver

Drawbacks to consider
– You can get higher reward rates on other fuel cards.
– You will need to consider other cards to get benefits on non-fuel spends like shopping, travel etc.

6.50% earning on fuel purchases
✔︎ 4% cashback on all HPCL fuel purchases
– You earn ₹4 cashback, on every ₹100 you spend at HPCL pumps.
– This is valid only on HPCL fuel purchases upto ₹5,000 per month.
✔︎ 1.50% additional benefit on HPCL fuel purchase, only through HP Pay App
– You earn additional 6 Payback Points worth ₹1.50, on every ₹100 you spend at HPCL outlets through the HP Pay app.
– This is valid only on fuel purchases upto ₹5,000 per month.
– 1 Payback point = ₹0.25 (25 paise), and can be redeemed on Payback India (now called zillionrewards).
✔︎ 1% fuel surcharge waiver at all fuel stations – only on fuel purchases upto ₹4000 per month, since the maximum waiver amount is restricted to ₹40 per month.

5% benefit on departmental store purchases || electricity/ mobile bill payments
– You earn 20 reward points worth ₹5, on every ₹100 you spend in these categories. 1 reward point = ₹0.25 (25 paise), and can be redeemed for vouchers, products and more on ICICI Bank's rewards redemption platform.
– This benefit is valid only on total purchases of upto ₹2000 per month in these categories, since you can earn a maximum of 400 accelerated reward points per month.

0.50% benefit on all other card purchases 
– You earn 2 reward points worth ₹0.50 (50 paise), on every ₹100 you spend on all other purchases.
- 1 reward point = ₹0.25 (25 paise), and can be redeemed for vouchers, products and more on ICICI Bank's rewards redemption platform.

Complimentary airport lounge access in India – 1 per quarter 
– This is valid in a particular quarter only if you have spent a minimum of ₹5000 in the previous quarter.

25% discount (upto ₹100) at BookMyShow movie tickets - 2 times per month
– You can avail this offer 2 times a month, at BookMyShow
– When you purchase a minimum of two tickets, you get a 25% discount (upto ₹100)
- Hence you get a 25% discount on movie ticket transactions upto ₹400. On transactions above ₹400, your discount percentage would fall below 25%.

25% discount (upto ₹100) at Inox movie tickets - 2 times per month
– You can avail this offer 2 times a month, at Inox
– When you purchase a minimum of two tickets, you get a 25% discount (upto ₹100)
- Hence you get a 25% discount on movie ticket transactions upto ₹400. On transactions above ₹400, your discount percentage would fall below 25%.

24/7 automobile assistance privileges – including assistance over the phone, “on-site” vehicle repair, locked or lost keys support, flat tyre support, battery jumpstart, battery replacement & fuel delivery.

Benefits
– Attractive benefit of 6.50% on HPCL fuel spends
– 5% benefit at departmental stores, electricity & mobile bills
– Complimentary lounge access at domestic airport lounges
– Movie ticket benefits of upto ₹400 per month
– 24/7 automobile assistance privileges

Drawbacks
– May not be suitable for high fuel spenders (monthly fuel expenses exceeding ₹5000)
– Low monthly spend limit to get 5% benefit on departmental store purchases, and on electricity & mobile bill payments.
– You will need to consider other cards to earn higher reward on non-fuel spends

5% earning on HPCL purchases (fuel & LPG)
■ 2.50% benefit on HPCL fuel purchases – only on purchases upto ₹5000 per month
– You earn 10 reward points worth ₹2.50, on every ₹100 you spend at HPCL pumps –
– This is valid only on fuel purchases upto ₹5000 per month, since the maximum number of special reward points is restricted to 500 reward points per month.
– 1 reward point = 0.25 (25 paise), and can be redeemed on IDFC First’s rewards redemption platform for vouchers, products and more.
■ Additional 1.50% benefit on HPCL fuel purchases through HP Pay App 
– You earn additional 6 Payback Points worth ₹1.50, on every ₹100 you spend at HPCL outlets through the HP Pay app
– This is valid only on fuel purchases upto ₹5,000 per month.
– 1 Payback point = ₹0.25 (25 paise), and can be redeemed on Payback India (now called Zillion).
■ 1% fuel surcharge waiver on fuel purchases at all fuel stations – on all fuel expenses upto ₹5,000 per month.
(Fuel includes petrol, diesel & LPG)

2.50% benefit on grocery purchases & utility expenses – only on spends upto ₹4000 per month
– You earn 10 reward points worth ₹2.50, on every ₹100 you spend in these categories.
– This is valid only on total purchases of up to ₹4000 per month in these categories, since the maximum number of special reward points is restricted to 400 reward points per month.
– 1 reward point = 0.25 (25 paise), and can be redeemed on IDFC First’s rewards redemption platform for vouchers, products and more.

2.50% benefit on FASTag recharges – only on recharges upto ₹2000 per month
– You earn 10 reward points worth ₹2.50, on every ₹100 you spend on FASTag recharges.
– This is valid only on up to ₹2000 of recharges every month, since the maximum number of special reward points is restricted to 200 reward points per month.
– 1 reward point = 0.25 (25 paise), and can be redeemed on IDFC First’s rewards redemption platform for vouchers, products and more.
– IDFC FIRST FASTag transactions are eligible for rewards only if done through FIRST forward and IDFC FIRST Mobile Banking app

0.33% basic benefit on all other card purchases
– You earn 1.33 points worth ₹0.33 (33 paise), on every ₹100 you spend on all other card purchases.
– 1 reward point = 0.25 (25 paise), and can be redeemed on IDFC First’s rewards redemption platform for vouchers, products and more.
– Exceptions : No reward points are given on following card spends & transactions – HPCL fuel & LPG spends beyond monthly capping, non-HPCL fuel, insurance premium, EMI transactions & cash withdrawals.

Emergency complimentary roadside assistance (RSA) package worth ₹1399 – 4 times per year
– You get 24X7 assistance for flat tires & tire change, battery jump-start or alternate battery, fuel delivery, lost key replacement, minor repairs, vehicle towing (if required) – through Global Assure
– You can avail this benefit up to 4 times a year. To know more details, please click here.

Complimentary insurance covers
– ₹25,000 insurance cover for Lost Card Liability, Counterfeit/Skimming/Phishing and Online Fraud Protection – for transactions on your IDFC FIRST Bank Credit Card.
– ₹2,00,000 Personal Accident Cover – in the unfortunate event of an accidental death OR permanent disability due to a sudden, unforeseen and involuntary event caused by external, visible and violent means.
– Credit shield cover of ₹50,000 – for unpaid bills on the card , in the event of accidental death of the cardholder. This protects and gives peace of mind to legal heirs / next of kin.
Above insurance covers are applicable only for an active card i.e cardholder should have done atleast 1 purchase/ATM withdrawal transaction during the last 30 days.

Benefits
– Attractive benefit rate of 5% on monthly fuel purchases
– Good benefit rate of 2.50% on grocery purchases & utility bill payments
– 1st year annual fee is fully covered by joining benefits. Low annual card spend target (of ₹50,000) to get annual fee waived off.
– The card also offers a range of additional benefits, such as complimentary road side assistance, insurance benefits, and deals on partner platforms like Zoom Car and ‘Eco Rent A Car’

Drawbacks
– The card is not attractive for individuals who incur fuel expenses much higher than ₹5000 per month
– You are restricted to HPCL pumps, to avail special fuel benefits

6.50% earning on HPCL fuel purchases (petrol, diesel & LPG)
– 4% benefit on HPCL fuel purchases, on purchases upto ₹10,000 per month : Earn 16 reward points worth ₹4, on every ₹100 you spend at HPCL pumps – only on purchases upto ₹10,000 per month.1 reward point = ₹0.25 (25 paise), and can be redeemed on IDFC First Bank’s Rewards Platform
– 1.50% benefit on HPCL fuel purchases through HP Pay App, on purchases upto ₹5000 per month : Earn 6 Payback Points worth ₹1.50, on every ₹100 you spend at HPCL outlets through HP Pay app – only on spends upto ₹5000 per month. 1 Payback point = ₹0.25 (25 paise), and can be redeemed on Payback India (now called Zillion)
– 1% fuel surcharge waiver on purchases at all fuel stations, on purchases upto ₹20,000 per month

5% benefit on grocery purchases & utility expenses, on purchases upto ₹4000 per month
– You earn 20 reward points worth ₹5, on every ₹100 you spend on grocery & utility spends – only on total purchases upto ₹4000 per month
– 1 reward point = ₹0.25 (25 paise), and can be redeemed on IDFC First Bank’s Rewards Platform

5% benefit on FASTag, on recharges upto ₹2000 per month
– You earn 20 reward points worth ₹5, on every ₹100 you spend on FASTag recharges – only on recharges upto ₹2000 per month.
– 1 reward point = ₹0.25 (25 paise), and can be redeemed on IDFC First Bank’s Rewards Platform.
– This is valid only if done through FIRST forward and IDFC FIRST Mobile Banking app

0.50% basic benefit on all other card spends
– You earn 2 points worth ₹0.50 (50 paise), on every ₹100 you spend on all other purchases
– 1 reward point = ₹0.25 (25 paise), and can be redeemed on IDFC First Bank’s Rewards Platform
– Exceptions : No reward points are given on following card spends – HPCL fuel & LPG spends beyond monthly capping, non-HPCL fuel, insurance premium, EMI transactions & cash withdrawals

Emergency complimentary roadside assistance (RSA) package worth ₹1399 
– You get 24X7 assistance for flat tires & tire change, battery jump-start or alternate battery, fuel delivery, lost key replacement, minor repairs, vehicle towing (if required) – through Global Assure
– You can avail this benefit up to 4 times a year

Complimentary insurance covers
- ₹25000 insurance cover for lost card liability, counterfeit/skimming/phishing and online fraud protection – for transactions on your IDFC FIRST Bank Credit Card.
- ₹2 lakh personal accident cover – in the unfortunate event of an accidental death OR permanent disability due to a sudden, unforeseen and involuntary event caused by external, visible and violent means.
- Credit shield cover of ₹50,000 – for unpaid bills on the card, in the event of an accidental death of the cardholder. This protects and gives peace of mind to legal heirs / next of kin.

Benefits
- Attractive benefit rate of 6.50% on fuel purchases
- Good benefit rate of 5% on grocery purchases, utility bills and FASTag recharges
- Additional benefits, such as complimentary road side assistance, insurance benefits, and deals on partner platforms like Zoom Car and ‘Eco Rent A Car’

Drawbacks
- Cardholders are restricted to HPCL pumps, to avail attractive fuel benefits

5% earning on fuel purchases
✔︎ 4% benefit on IndianOil fuel purchases
– Earn 20 reward points worth ₹4, on every ₹100 you spend at IOCL fuel outlets – on purchases between ₹100 and ₹5000 per month.
– 1 reward point = ₹0.20 (20 paise), and can be redeemed on Axis Bank’s rewards redemption platform (EDGE Rewards) for a variety of vouchers, products and more.
✔︎ 1% fuel surcharge waiver at all fuel stations – only on fuel spends between ₹200 and ₹5000 per month

1% benefit on ‘online shopping‘
– You earn 5 reward points worth ₹1, on every ₹ 100 you spend on online shopping – on purchases between ₹100 and ₹5000 per month.
– 1 reward point = ₹0.20 (20 paise), and can be redeemed on Axis Bank’s rewards redemption platform (EDGE Rewards) for a variety of vouchers, products and more.

0.20% benefit on all other card purchases
– You earn 1 reward points worth ₹ 0.20 (20 paisa), on every ₹100 spent on all other purchases.
– Exceptions : No reward points are given on following spends – rent, utilities, educational services, and government institutions.

Dining benefits : 15% discount (upto ₹500) at restaurants, in partnership with EazyDiner
– This offer can be redeemed once every month.
– You get a 15% discount up to ₹500, at over 4000 restaurants nationwide.
– Minimum order amount of ₹2500.
– Hence you get a 15% discount on orders between ₹2500 and ₹3333. On orders above ₹3333, your discount percentage will be below 15% since maximum discount is fixed at ₹500.

10% discount on Bookmyshow app/ website, upto ₹100 per month
– The offer is valid till 31st March 2024

Benefits
- Attractive fuel benefit rate of 5% (4% on IndianOil fuel spends and 1% fuel surcharge waiver)
- Low annual spend target of ₹50,000, to get annual fee waived off from 2nd year onwards
- Half of first year annual fee is compensated by welcome benefit of ₹250
- So, overall it is a very good entry level fuel card – since it gives accelerated rewards on fuel upto a monthly fuel spend of ₹5,000 , and also has a low annual fee waiver threshold of ₹50,000

Drawbacks to consider
- Accelerated fuel rewards are only available at IndianOil (IOCL outlets), so one needs to plan more in terms of going to particular fuel pumps to get fuel filled
- Not ideal for high fuel spenders – those spending more than ₹ 5,000 per month

Benefits
– Attractive benefit rate of 5.80% on monthly fuel spends at IOCL outlets – 4.80% on fuel purchases PLUS 1% waiver on fuel surcharge
– Low annual spend target (of ₹50,000) to get renewal fees waived off
– Attractive reward rate of 4.80% on grocery purchases and bill payments
– So, overall it is a good entry-level fuel card, since it gives accelerated rewards on fuel upto a monthly fuel spend of ₹3,000 and also has a low annual fee waiver threshold of ₹50,000
– 1% – 10% cashback on various spends, on HDFC SmartBuy.

Drawbacks
– To earn accelerated fuel rewards, it is necessary to visit IOCL Outlets specifically, hence one needs to plan more when refuelling
– Not ideal for high fuel spenders, for those spending more than ₹3000 per month
– The redemption process is not as straightforward as a simple cashback card.

5% earning on fuel purchases
– 4% earning on IndianOil (IOCL) fuel purchases : You earn 16 reward points worth ₹4, on every ₹100 you spend at IOCL fuel outlets – only on purchases upto ₹7500 per month , since the maximum reward points at this special earning rate are capped at 1200.
– 1% fuel surcharge waiver at all fuel stations : Surcharge waiver is given only on fuel transactions between ₹100 and ₹5,000. Maximum surcharge waiver amount given is ₹100 per monthly card billing cycle.

2% earning on grocery and dining spends
– You earn 8 reward points worth ₹2, on every ₹100 you spend in these categories.
– This is valid only on total monthly spends upto ₹10,000 in these categories, since the maximum reward points at this special earning rate are capped at 800 per month.
– 1 reward point = ₹0.25, and can be redeemed as cashback as a special introductory launch offer. Post launch offer, reward points will need to be converted to IndianOil loyalty program (XTRAREWARDS Points) and then redeemed at IndianOil outlets.

0.50% earning on all other purchases 
– You earn 2 reward points worth ₹0.50, on every ₹100 you spend on all other purchases.

Complimentary personal accident insurance of ₹2 lakhs

Personal concierge services
– Hassle-free gift and flower deliveries
– Seamless restaurant referrals and bookings
– Easy car rental and limousine reservations
– Exclusive golf reservations for your leisure
– Effortless movie ticket bookings

Benefits
– Attractive benefit rate of 5% on monthly fuel purchases, including 1% fuel surcharge waiver
– Good benefit rate of 2% on grocery purchases & dining expenditure
– Low annual card spend target (of ₹50,000) to get annual fees waived off
– Lifestyle benefits such as personal concierge

Drawbacks to consider
– You are restricted to IndianOil pumps, to avail special fuel benefits

4.25% earning on fuel purchases - on fuel purchases upto ₹10,000 per month
✔︎ 3.25% benefit on BPCL (Bharat Petroleum Corporation Limited) fuel purchases
– You earn 13 reward points worth ₹3.25, on every ₹100 you spend at BPCL fuel outlets
– This benefit is valid only on fuel transactions below ₹4000, and is valid only on fuel purchases upto ₹10,000 per month (since the maximum reward points given at this special rate is 1300 reward points per month).
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed by converting them to BPCL vouchers.
✔︎ 1% fuel surcharge waiver at BPCL fuel pumps, upto ₹100 per month
– This benefit is valid only on fuel transactions upto ₹4000, and
– Only on fuel spends upto ₹10,000 per month (since the waiver amount is limited to ₹100 per month)

1.25% benefit on departmental store purchases || grocery spends || movie & dining spends 
– You earn 5 reward points worth ₹1.25, on every ₹100 you spend in these categories.
– This is valid only on total monthly spends upto ₹1 lakh in these categories (since the maximum reward points given at this special rate is 5000 reward points per month).
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed by converting them to BPCL vouchers.

0.25% basic benefit on all other card spends 
– You earn 1 reward point worth ₹0.25 (25 paise), on every ₹100 you spend on all other purchases.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed by converting them to BPCL vouchers.
– Exceptions : No reward points are given on educational services and government institution spends.

Benefits
– Good reward rate of 4.25% on fuel purchases, including 1% fuel surcharge waiver
– Low annual card spend requirement (of ₹50,000) to get annual fee waived off, hence a good starter fuel card
– Though the fuel reward rate is little lower than some other fuel cards in the industry, special fuel benefits are given on a comparatively higher monthly fuel spend of ₹10,000

Drawbacks to consider
– You are restricted to BPCL outlets, to enjoy accelerated fuel rewards
– You need to consider other credit cards to earn rewards on other spend categories like travel

5% cashback on fuel purchases (including 1% fuel surcharge waiver), upto ₹200 per month
– Only on fuel purchases upto ₹4000 per month (since maximum cashback per month is capped at ₹200), and
– Only on fuel transactions below ₹2000 (since maximum cashback per transaction is capped at ₹100)

5% cashback on phone bill payments, upto ₹200 per month
– Only on bill payments upto ₹4000 per month (since monthly cashback is capped at ₹200), and
– Only on bill transactions between ₹750 and ₹2000 (since maximum cashback per transaction is capped at ₹100, and minimum transaction amount required is ₹750)
– Payment needs to be made through StandChart’s Billpay platform

5% cashback on utility bill payments, upto ₹100 per month
– Only on bill payments upto ₹2000 per month (since monthly cashback is capped at ₹100), and
– Only on transactions above ₹750
– Payment needs to be made through StandChart’s Billpay platform

0.16% benefits on all other card purchases 
– You earn 0.66 reward points worth ₹0.15 (15 paise), on every ₹100 you spend on all other purchases.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed on the rewards portal of the bank (R360), for products, vouchers, services and more.
– No reward points are given on returned purchases, disputed or unauthorized/fraudulent transactions, finance charges, card account fees, cash withdrawals and charged back transactions

Complimentary Priority Pass Membership (Only for SCB Premium Banking customers)
– You get complimentary Priority Pass membership granting access to more than 1000 airport lounges worldwide.
– You get complimentary lounge visits – once per month (only if you have spent a minimum of ₹10,000 in the previous month on your card).

Benefits
– Good cashback rate on fuel purchases, phone bill payments and utility bill payments
– Comparatively low annual card spend target of ₹90,000, to get annual fee waived

Drawbacks to consider
– Monthly spend limits to earn 5% cashback are on the lower side