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 plus applicable taxes (GST)
Renewal Fee
₹499 + GST
₹500 plus applicable taxes (GST)
Spend Based Waiver
Annual renewal fee waived off on spending a minimum of ₹50,000 in the preceding year.
Renewal fee waived on ₹50,000 annual spend; joining fee waived on ₹20,000 spend in first 90 days.
Foreign Transaction Fees
3.5% of the transaction amount.
3.5% will be applicable on all International/Cross currency transactions.
Interest Rate (APR)
3.75% Per Month (45% Per Annum).
3.75% per month (45% per year) on revolving credit.
Rewards & Benefits
Welcome Bonus
Receive 2,000 Activation Bonus Reward Points, equivalent to ₹500, upon joining fee payment.
Joining fee waiver on spending ₹20,000 in the first 90 days from card issuance.
Rewards Rate
Earn 13X on BPCL fuel (3.25%), 5X on dining, movies, groceries & departmental stores (1.25%).
Earn 5% of spends as Fuel Points at IndianOil outlets, groceries, and bill payments. 1 Fuel Point for every ₹150 on other spends.
Reward Type
Reward Points
Fuel Points
Reward Redemption Fee
₹99 plus applicable taxes per redemption request.
₹99 plus GST
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 5X Reward Points (1.25% reward rate) on movie spends, capped at 5,000 points monthly.
Not Applicable
Dining Benefits
Earn 5X Reward Points (1.25% reward rate) on dining spends, capped at 5,000 points monthly.
Not Applicable
Golf Benefits
Not Applicable
Not Applicable
Fuel Surcharge Waiver
1% waiver on fuel transactions up to ₹4,000, capped at ₹100 per month.
1% waiver on fuel transactions (min ₹400, max ₹250/cycle) at all fuel stations.
Security & Other
Insurance Benefits
Not Applicable
Not Applicable
Cash Advance Charges
2.5% of withdrawn amount, subject to a minimum charge of ₹500.
2.5% of amount withdrawn, subject to a minimum charge of Rs 500.