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Contactless-Debit-Card-Visa

UNI CARBON CREDIT CARD

This “UNI CARBON” Credit card is a mid-segment credit card with rewards on fuel transactions at HPCL outlets as an added feature to existing RuPay Platinum variant.

Detailed features and benefits of “UNI CARBON” credit card are as below:

Sr. No. Feature
1. Welcome benefits Welcome bonus up to Rs.300, by way of credit to Bill. The customer has to purchase fuel worth of Rs.300/- and above, at HPCL authorized fuel outlet within a period of 60 days from the date of activation of the card.
2 Joining fee (one time) Rs. 499/-
3. Annual fee Rs. 499/- (Waiver of annual fee on spending worth Rs. 1,00,000 or more annually)
4. Rewards program On every Rs.100 spend on non-fuel transaction the cardholder will earn 2 reward points.
1 Reward Point = Rs. 0.25
i.e., for every Rs. 100 spend on non-fuel transaction, cardholder will earn Rs. 0.50. * Not available on cash withdrawals.
5. Cashback benefits 1) 16 rewards on fuel spends for transaction value of Rs.500 and above at authorized HPCL outlets which would be equivalent to Rs.4.00 cashback on every Rs. 100.00 spend (i.e.,4% Cashback) up to a maximum of Rs.150 per billing cycle per card.
&
2) Additional 1.50% cash back in the form of 6 payback points on transactions made on HP Pay App of HPCL through “UNI CARBON’ Credit Card. These points will be credit to HP Pay App.
6. Fuel surcharge waiver 1% fuel surcharge waiver on transaction value of Rs.200 and above at HPCL authorized outlets with a cap of Rs.100 per billing cycle per card.
This waiver is over and above the 4% cashback offered by the Bank.
7. Milestone rewards On reaching spends of Rs.1,25,000 in a year cardholder will get additional points in the form of milestone rewards. (***Refer to table given below.)
8. Redemption Redemption of rewards can be made in the form of cashback or through Union Rewards or through HPPAY App. (towards purchase of HPCL products only).
Each reward is equivalent to Rs.0.25.
9. Accidental insurance coverage Upto Rs. 10.00 lakh
10. Contactless card A common mobility multipurpose card with a single tap payment for quicker transaction processing.
Milestone Rewards on each Rs. 25,000 spend as under:

On reaching annual spends (Rs.)

Additional rewards points earned

Cumulative rewards points earned

1,25,000

500

500

1,50,000

600

1,100

1,75,000

700

1,800

2,00,000

800

2,600


Customer will receive additional 1,000 rewards for every Rs. 50,000 spends beyond Rs. 2.00 lakh in a billing year.

• Milestone rewards points will accrue over and above the normal rewards and cashbacks.


Cardholders will be able to enjoy many benefits and offers brought out by NPCI from time to time basis including entertainment, lifestyle, travel, shopping, food delivery etc.


Various scenarios of cashback by using “UNI CARBON” credit card at HPCL outlets:

1. Using the card at HPCL outlets through PoS: Cardholder will get 4% cash back (16 reward points) and 1% fuel surcharge waiver to his card account, i.e., a total of 5% Cashback.
2. Using the card for loading money to HP Pay wallet: Cardholder will get 1.50% cash back (6 pay back points) in their HP Pay wallet, i.e., 1.50% cashback.
3. Using the card for payment at HPCL outlets through HP Pay App: Cardholder can get 4% cash back(16 Reward points) and 1% fuel surcharge waiver to his card account and 1.50% cashback (6 pay back points) in their HPPay wallet, i.e.,a total 6.50% cashback.
*Cashback/offers available subject to monthly cap/limit mentioned above.

Eligibility, Card limit and other details:

S.No

Subject

Details

1.

Eligibility

1.1

Salaried

Minimum - 18 years; Maximum - 60 years

1.2

Self employed/Others

Minimum - 18 years; Maximum - 70 years

1.3

Minimum annual salary / income

Rs.2.50 lakhs per annum

2.

Add-on card

Maximum of 3 add-on cards can be issued along with primary card to the spouse/ children/ parents of the primary cardholder.

3.

EMI conversion

A flexible repayment option to conveniently repay the card dues for high value merchant transactions.

4.

Free credit period

21 to 50 days depending up on the date of purchase.


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