○ Data not yet verified
💰
Annual Fee
₹199
🎁
Reward Type
Cashback
🌍
Forex
3.5%
✈️
Lounge
0 dom · 0 intl
Full Spec Sheet
Multi-source VerifiedFees
Joining Fee₹199
Annual Fee₹199(waived ≥ ₹50,000)
Min Monthly Income₹12,000
Rewards
Reward TypeCashback
Base Rate0.5%
Point Value₹1/point
Category Multipliers
fuel hp5%(cap ₹500)grocery2%(cap ₹300)
Redemption Values
statement credit₹1/pt
Travel & Global
Forex Markup3.5%
Domestic LoungeNone
Intl. LoungeNone
India-Specific
Fuel Surcharge✓ 1% waiver
Similar Cards
💡 Fee Waiver Strategy
Spend ₹50K/year to waive renewal. Often available with waived joining fee via ICICI net banking.
⚖️ Breakeven Analysis
To recover the ₹199 annual fee at the base reward rate of 0.5%, you need to spend ₹39,800 annually.
🎯 Pro Tips
- ▸Best for HP fuel station regulars - 5% back at HP pumps.
- ▸Stack fuel surcharge waiver (up to ₹100/mo) on top of the 5% cashback.
📊 Spend Profile Simulator
Spend Profile Simulator
Net Annual Value
+₹11,201
Effective Rate
0.9%
Ranked #88 of 173 cards#88
₹199 annual fee deducted from gross rewards value.
📊 Spending Scenarios - Real-World Returns
HP Fuel User (₹6k/mo fuel)
Monthly: ₹15,000 · Annual: ₹1,80,000
3.17%
Effective Return
other: ₹4,000/mofuel hp: ₹6,000/mogrocery: ₹5,000/mo
Annual Rewards Value₹5,700
After Fee (₹199)+₹5,501
5% on HP fuel, 2% grocery, 0.5% rest. Fee included.
🔄 Redemption Pathways - Value per Point
| Method | Value | Example | Best For |
|---|---|---|---|
| Statement CreditBEST | ₹1.00/pt | Auto-credited | Fuel |
🏷️ Best For
fuelcashbackco-branded