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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.
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Last updated: 18 July 2026

Both BPCL SBI Credit Card and IndianOil HDFC Bank Credit Card suit fuel-focused spenders, but they earn and cost differently. BPCL SBI Credit Card costs Rs. 499 + GST and earns 4.25% Valueback on fuel. 5 points per Rs. 100 on select categories & 1 point on others. IndianOil HDFC Bank Credit Card costs ₹500 + GST and earns 5% Fuel Points on IndianOil spends, groceries & bill payments; 1 FP for every ₹150 on other spends. BPCL SBI Credit Card also brings get 2,000 Activation Bonus Reward Points worth Rs. 500 on payment of the joining fee, while IndianOil HDFC Bank Credit Card counters with zero Lost Card Liability protection against fraudulent transactions upon reporting card loss. Weigh the fee against the reward rate above to see which fits your spending pattern better.

BPCL SBI Credit Card
BPCL SBI Credit Card
IndianOil HDFC Bank Credit Card
IndianOil HDFC Bank Credit Card

Fees & Charges

Joining Fee₹499 + GST
Joining Fee₹500 + GST
Renewal Fee₹499 + GST
Renewal Fee₹500 + GST
Spend Based WaiverRenewal fee waived if annual spends for the preceding year are Rs. 50,000 or more.
Spend Based WaiverJoining Fee waived on ₹20,000 spend in 90 days. Renewal Fee waived on ₹50,000 annual spend.
Foreign Transaction Fees3.5% of the transaction amount.
Foreign Transaction Fees3.5% of the transaction amount.
Interest Rate (APR)Monthly 3.5%-3.75% (42-45% annually).
Interest Rate (APR)Revolving Credit: 3.75% per month (45% p.a.). Overdue: Up to 3.49% per month (41.88% p.a.).

Rewards & Benefits

Welcome BonusGet 2,000 Activation Bonus Reward Points worth Rs. 500 on payment of the joining fee.
Welcome BonusComplimentary IndianOil XTRAREWARDS Program (IXRP) membership. Voucher worth ₹250 upon card activation and one transaction.
Rewards Rate4.25% Valueback on fuel. 5 points per Rs. 100 on select categories & 1 point on others.
Rewards RateAccelerated 5% Fuel Points on IndianOil, groceries, and bill payments. 1 Fuel Point on every ₹150 spent on other purchases.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption FeeRs. 99 (plus applicable taxes) per redemption request.
Reward Redemption Fee₹99 plus GST for redemption through net-banking towards catalog products or as cashback.

Travel & Lifestyle

Domestic Lounge AccessNot Applicable
Domestic Lounge Access
International Lounge AccessNot Applicable
International Lounge Access
Travel BenefitsNot Applicable
Travel Benefits
Movie BenefitsEarn 5 Reward Points on every Rs. 100 spent on movie tickets (5X Reward Points).
Movie Benefits
Dining BenefitsEarn 5 Reward Points on every Rs. 100 spent on dining (5X Reward Points).
Dining Benefits
Golf BenefitsNot Applicable
Golf Benefits
Fuel Surcharge Waiver1% waiver up to Rs. 100 per billing cycle on transactions up to Rs. 4,000 at BPCL pumps.
Fuel Surcharge Waiver1% waiver across all petrol pumps on min ₹400 transaction. Max waiver ₹250 per statement cycle.

Security & Other

Insurance BenefitsNot Applicable
Insurance BenefitsZero Cost Card Liability for fraudulent transactions if reported immediately.
Cash Advance Charges2.5% of withdrawn amount, subject to a minimum charge of Rs. 500.
Cash Advance Charges2.5% of amount withdrawn, subject to a minimum charge of ₹500.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

BPCL SBI Credit Card

IndianOil HDFC Bank Credit Card

Who is it for?

The BPCL SBI Card is an excellent entry-level credit card, co-branded with BPCL, ideal for everyday users. It offers significant value back on fuel purchases at BPCL stations, with a total of 4.25% value back, including a fuel surcharge waiver. Beyond fuel, cardholders benefit from accelerated reward points on common spending categories such as dining, groceries, departmental stores, and movies. This card provides practical savings on essential expenses with a nominal annual fee, making it a great choice for maximizing daily expenditures.

Who is it for?

The IndianOil HDFC Bank Credit Card is a co-branded card for high fuel spenders, offering significant savings through Fuel Points redeemable for free fuel at IndianOil pumps. Users can earn up to 50 liters of free fuel annually, with accelerated 5% Fuel Points on IndianOil, groceries, and bill payments. Operating on the RuPay network, it also supports convenient UPI payments.

Pros

Key benefits and features.

Offers great reward points and significant value back on fuel transactions at BPCL petrol pumps across India.

The BPCL SBI Card is highly accessible due to its competitive and low joining cost of just Rs. 499.

Provides attractive rewards on various everyday spending categories like groceries, dining, and movie tickets.

Pros

Key benefits and features.

Accelerated 5% Fuel Points on IndianOil outlets, with high ₹0.96 redemption value for free fuel.

Earn 5% Fuel Points on groceries and utility bill payments, making it useful for daily expenses.

RuPay network enables UPI integration, allowing convenient mobile payments via linked applications.

Joining and renewal fees are waivable based on spending, offering potential for a free-for-life card.

Benefits include 1% fuel surcharge waiver, up to 50 days interest-free credit, and zero lost card liability.

Cons

Key drawbacks and limitations.

Cardholders will not receive any complimentary domestic or international airport lounge access.

There are no specific insurance benefits or covers included as part of this credit card's offerings.

Reward points are not earned on transactions for mobile wallet uploads or fuel purchases outside BPCL stations.

Cons

Key drawbacks and limitations.

Monthly caps on Fuel Points in accelerated categories limit benefits for very high spenders.

No Fuel Points on wallet loading, government, EMI, rental, gold purchases, or non-IndianOil fuel.

A ₹99 + GST fee applies for redeeming Fuel Points as cashback or for catalog products.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for BPCL SBI Credit Card(opens in new tab)Apply for IndianOil HDFC Bank Credit Card(opens in new tab)