Union UNI-CARBON Credit Card

A month of HPCL fuel on UNI-CARBON

Say you spend ₹3,000 a month on fuel at HPCL, in fills of ₹500 or more, paid through the HP Pay app. Here is what comes back:

• 16 reward points per ₹100, which Union Bank calls 4% equivalent: about ₹120.
• 1% fuel surcharge waiver: ₹30.
• 1.5% as HP Pay loyalty points in the HP Pay wallet: ₹45.

That is about ₹195 on ₹3,000, the full 6.5%. Add ₹10,000 of other spends at 2 points per ₹100, about 0.5%, and you get roughly ₹50 more. Around ₹245 for the month.

This is Union Bank's HPCL fuel card. It is not the Uni fintech cards or the Yes Bank UNI Credit Card, which share the name in search results.

Where 6.5% stops

The headline only holds while three conditions are all true, and the caps are low.

• ₹500 per fill. Below that, the 4% layer does not apply. Below ₹200, the surcharge waiver goes too. Two-wheeler riders filling ₹300 at a time get only the 1% waiver, plus the 1.5% HP Pay layer if they pay through the app.
• ₹150 a billing cycle. That is the ceiling on the 4% layer, reached at about ₹3,750 of fuel.
• ₹100 a billing cycle on the surcharge waiver, reached at ₹10,000 of fuel.

Push your fuel to ₹6,000 a month and the return falls to about 5%. At ₹15,000 it is closer to 3%. For heavy drivers, this card runs out early.

When HP Pay does not work at the pump

Four threads describe HP Pay QR codes failing or pump staff refusing them, and users call it a dealbreaker. Test one pump with a ₹500 fill, then check both your card statement and the HP Pay wallet. If HP Pay fails on a day, pay with the card directly: you still keep the 4% and the waiver, and lose only the 1.5%.

The HP Pay points live in the HP Pay app, not on your statement. Check the app for a minimum balance or expiry before letting them pile up. Card points are separate and redeemed through Union Bank.

Fee and welcome credit

The card costs ₹499 + GST to join and each year. Fill ₹300 or more at an authorised HPCL outlet within 60 days of activation and you get up to ₹300 back as statement credit, which covers more than half of the first fee before GST. The renewal waiver is unclear: our sources say ₹50,000 or ₹1.25 lakh of yearly spend. Ask the branch for the figure in writing. It runs on RuPay, so it links to UPI, though our data does not say whether small UPI payments earn points.

Applying is the usual Union Bank routine, which six threads describe as paper-heavy and slow.

The bottom line on UNI-CARBON

Get it if you refuel at HPCL, in ₹500+ fills, spend up to about ₹4,000 a month on fuel, and have a pump where HP Pay works. For ₹499 it is one of the cheapest ways to get 6 to 6.5% back on fuel.

Skip it if you spend ₹10,000 or more a month on fuel. Users generally prefer the BPCL SBI Card OCTANE for heavy fuel spend and smoother servicing, despite its higher fee.

Credit Card Information Compiled by: Abhijeet Kumar | Reviewed by: Anmol Ratan Sachdeva