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BPCL SBI Credit Card vs IndianOil HDFC Bank Credit Card vs IndianOil Kotak Credit Card

A detailed, side-by-side look at 3 leading credit cards. Analyze the features that matter most to you and make an informed choice.

Features

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

Fees & Charges

Joining Fee
₹499 + GST
₹500 + GST
₹449 + GST
Renewal Fee
₹499 + GST
₹500 + GST
₹449 + 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.
Annual fee of ₹449 waived on spending ₹50,000 or more in the previous anniversary year.
Foreign Transaction Fees
3.5% of the transaction amount.
3.5% markup on all international and cross-currency transactions.
3.5%
Interest Rate (APR)
Monthly 3.5%-3.75% (42-45% annually).
3.75% per month (45% per annum) on revolving credit balance.
3.75% per month (Annualized @ 45%), effective from 1st June 2025.

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.
1000 Reward Points on spending INR 500 or more within 30 days of card issuance.
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.
Earn 24 RP/INR 150 on IndianOil fuel, 12 RP/INR 150 on dining/groceries, 3 RP/INR 150 on others.
Reward Type
Reward Points
Fuel Points
Reward Points
Reward Redemption Fee
Rs. 99 (plus applicable taxes) per redemption request.
₹99 + GST applies for reward point redemption.
Nil

Travel & Lifestyle

Domestic Lounge Access
Not Applicable
Not Applicable
Not Applicable
International Lounge Access
Not Applicable
Not Applicable
Not Applicable
Travel Benefits
Not Applicable
Not Applicable
Concierge services for car rental, limousine, travel booking assistance (Rupay variant only).
Movie Benefits
Earn 5 Reward Points on every Rs. 100 spent on movie tickets (5X Reward Points).
Not Applicable
Movie vouchers available for redemption through the Kotak Rewards portal.
Dining Benefits
Earn 5 Reward Points on every Rs. 100 spent on dining (5X Reward Points).
Not Applicable
Earn 2% back as Reward Points on dining spends, capped at 800 RP per cycle.
Golf Benefits
Not Applicable
Not Applicable
Concierge services include golf reservations for Rupay variant cardholders.
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.
1% waiver on IndianOil fuel transactions between ₹100-₹5000, max ₹100 per statement cycle.

Security & Other

Insurance Benefits
Not Applicable
Zero Lost Card Liability protection against fraudulent transactions upon reporting card loss.
Receive an insurance cover worth INR 2 Lakhs for personal accidents.
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.
2.5% on the advance amount, subject to a minimum of ₹500, effective from 1st June 2025.

BPCL SBI Credit Card

IndianOil HDFC Bank Credit Card

IndianOil Kotak Credit Card

Who is it for?

Who is it for?

Who is it for?

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.

RuPay network enables seamless linkage to UPI applications for mobile payments.

Offers a high reward rate for fuel redemption through IXRP, valuing 1 FP at ₹0.96.

Provides potential for both joining and renewal fee waivers based on annual spending.

Opportunity to earn up to 50 litres of free fuel annually with continued usage.

Pros

Key benefits and features.

Significant savings potential on IndianOil fuel purchases with a 5% value back.

Accelerated rewards on essential spends like dining and groceries enhance daily value.

Valuable welcome benefit of 1000 reward points on initial spend within 30 days.

Complimentary personal accident insurance cover of ₹2 Lakhs provides added security.

Annual fee waiver easily achievable by spending ₹50,000 yearly.

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.

Initial cap on accelerated fuel rewards at IndianOil outlets limits benefits for high spenders.

Reward accrual on groceries and bill payments is capped at 100 Fuel Points per month.

Lower redemption value (1 FP = ₹0.20) for cashback or catalogue products.

Cons

Key drawbacks and limitations.

Monthly capping limits on reward points for fuel, dining, and grocery spends restrict maximum earnings.

Cashback redemption requires a minimum of 2000 points, potentially delaying benefits.

Higher foreign currency markup of 3.5% makes international spends less rewarding.

Various new fees on wallet, education, and utility effective from June 2025.

No complimentary domestic or international airport lounge access included with the card.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.