BPCL SBI Credit Card vs IndianOil HDFC Bank Credit Card
A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
Fees & Charges
Joining Fee
₹499 + GST
₹500 + GST
Renewal Fee
₹499 + GST
₹500 + GST
Spend Based Waiver
Renewal fee waived if annual spends for the preceding year are Rs. 50,000 or more.
Joining fee waived on ₹20,000 spend in 90 days. Renewal fee waived on ₹50,000 annual spend.
Foreign Transaction Fees
3.5% of the transaction amount.
3.5% markup on all international and cross-currency transactions.
Interest Rate (APR)
Monthly 3.5%-3.75% (42-45% annually).
3.75% per month (45% per annum) on revolving credit balance.
Rewards & Benefits
Welcome Bonus
Get 2,000 Activation Bonus Reward Points worth Rs. 500 on payment of the joining fee.
Complimentary IndianOil XTRAREWARDS Program (IXRP) membership on joining.
Rewards Rate
4.25% Valueback on fuel. 5 points per Rs. 100 on select categories & 1 point on others.
Earn 5% Fuel Points on IndianOil spends, groceries & bill payments; 1 FP for every ₹150 on other spends.
Reward Type
Reward Points
Fuel Points
Reward Redemption Fee
Rs. 99 (plus applicable taxes) per redemption request.
₹99 + GST applies for reward point redemption.
Travel & Lifestyle
Domestic Lounge Access
Not Applicable
Not Applicable
International Lounge Access
Not Applicable
Not Applicable
Travel Benefits
Not Applicable
Not Applicable
Movie Benefits
Earn 5 Reward Points on every Rs. 100 spent on movie tickets (5X Reward Points).
Not Applicable
Dining Benefits
Earn 5 Reward Points on every Rs. 100 spent on dining (5X Reward Points).
Not Applicable
Golf Benefits
Not Applicable
Not Applicable
Fuel Surcharge Waiver
1% waiver up to Rs. 100 per billing cycle on transactions up to Rs. 4,000 at BPCL pumps.
1% waiver on fuel transactions (min ₹400), capped at ₹250 per statement cycle.
Security & Other
Insurance Benefits
Not Applicable
Zero Lost Card Liability protection against fraudulent transactions upon reporting card loss.
Cash Advance Charges
2.5% of withdrawn amount, subject to a minimum charge of Rs. 500.
2.5% of amount withdrawn, minimum ₹500, for cash advance transactions.