Cheq AU Credit Card on HPCL

How it works

Rates for the Visa card, valuing CheQ points at ₹0.50 (2 points = ₹1, for flights, hotels and vouchers in the CheQ app). Partner brands earn 6%, other online, food, grocery and travel spends 2.5%. Bills paid in the CheQ app earn 24 points per ₹200 but redeem at 4 points = ₹1 (3%). Cashback redemption is worth ₹0.25 a point, which halves every rate. Electricity 3% when paid in the CheQ app (24 points per ₹200, 4 points = ₹1).

Caps & rules

• Visa variant (and UPI via the CheQ app): 24 CheQ points per ₹200 at partner brands (Amazon, Flipkart, Zomato, BigBasket, Apple via Unicorn, CheQ Travel) and on bills paid in the CheQ app.
• 10 points per ₹200 on food delivery, marketplaces, apparel, electronics, grocery and travel.
• 5 points per ₹200 on other UPI via the CheQ app.
• 2 points per ₹200 elsewhere.
• Accelerated points capped at 12,000 a month (about ₹6,000).
• Min ₹200 per transaction.
• 2 points = ₹1 on flights, hotels and vouchers; 4 points = ₹1 for bill payments and cashback.
• RuPay card swipes on partners earn only 2 points per ₹200.

Reward limits

• 12% at partner brands and 5% on key categories: max 12,000 CheQ points per month
• 1% on other spends (₹200 and above): No limit

No rewards on

Wallets, jewellery/gold, rent, insurance, education, government, fuel, EMI, gaming, cash