Question 1

Which credit card gives the best rewards on HP_Pay?

Accepted Answer

Based on current bank-published rates, the ICICI HPCL Super Saver Credit Card (ICICI Bank) gives the best rewards on HP_Pay at 5.00% — 5 per ₹100. Ri8Lane ranks 340+ Indian credit cards from HDFC, ICICI, Axis, SBI, American Express and more by their actual effective rate.

Question 2

Is there a credit card with no annual fee for HP_Pay?

Accepted Answer

Yes — several lifetime-free credit cards in India offer rewards on HP_Pay. We list them on our cards page filtered to "annual fee FREE". The best lifetime-free pick changes monthly; check the full ranking above.

Question 3

How does Ri8Lane calculate the HP_Pay reward rate?

Accepted Answer

We compute the **effective cashback %** using each card's published reward structure: points earned × redemption value ÷ ₹ spent × 100. For example, a card earning 5 points per ₹150 with each point worth ₹1.00 in statement credit = (5 × 1.00 ÷ 150) × 100 = 3.33% effective. All rates verified from bank-published T&Cs, not third-party aggregators.

Question 4

Are these reward rates verified or estimated?

Accepted Answer

Verified. Every card's reward structure on Ri8Lane is sourced directly from the issuing bank's official website, Most Important Terms & Conditions (MITC) document, or product page. We never use aggregator data. Each card detail page shows the "Last verified" date.

Question 5

Can I stack HP_Pay offers with my credit card rewards?

Accepted Answer

Often yes. Many HP_Pay offers (cashback, vouchers, festive promotions) stack on top of your credit card reward rate. Always check the offer T&Cs — some are exclusive to specific co-branded cards. Use Ri8Lane's Coupons tab to find current stackable offers.

Question 6

What's the second-best card for HP_Pay after ICICI HPCL Super Saver Credit Card?

Accepted Answer

The Axis Bank Freecharge Plus Credit Card (Axis Bank) at 5.00% is the runner-up for HP_Pay. Useful if you don't already hold ICICI HPCL Super Saver Credit Card or want a backup option with different fee structure.

Question 7

Can I use multiple credit cards for HP_Pay purchases?

Accepted Answer

Yes — for one-time purchases, pick the highest-rated card from the ranking above. For recurring spend (subscriptions, large orders), some users hold both a high-reward card AND a lifetime-free backup. Add all your cards to your Ri8Lane wallet and we'll auto-pick the best one for every search.

Best Credit Card for HP_Pay

Top 10 cards for HP_Pay

ICICI HPCL Super Saver Credit Card

Axis Bank Freecharge Plus Credit Card

RBL Signature Banking Credit Card

Axis Bank Atlas Credit Card

BOBCARD ETERNA Credit Card

IndiGo SBI ELITE Credit Card

Landmark Rewards SBI SELECT Credit Card

RBL Bank Aspire Banking Credit Card

Kotak Solitaire Credit Card

IndusInd Intermiles Voyage Visa Credit Card

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Top 10 cards for HP_Pay

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