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.
Fees & Charges
Joining Fee
₹499 + GST
₹500 plus applicable taxes (GST)
INR 449 + GST
Renewal Fee
₹499 + GST
₹500 plus applicable taxes (GST)
INR 449 + 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.
Annual fee waived on spending INR 50,000 or more in the previous anniversary year.
Foreign Transaction Fees
3.5% of the transaction amount.
3.5% will be applicable on all International/Cross currency transactions.
3.5% markup on all international transactions.
Interest Rate (APR)
3.75% Per Month (45% Per Annum).
3.75% per month (45% per year) on revolving credit.
Monthly interest rate of 3.75% or 45% per annum on outstanding balances.
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.
Get 1000 Reward Points as a welcome benefit on spending INR 500 or more within 30 days of 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.
Earn 24 RPs on every INR 150 on fuel (4% back) & 12 RPs on dining/groceries (2% back).
Reward Type
Reward Points
Fuel Points
Reward Points
Reward Redemption Fee
₹99 plus applicable taxes per redemption request.
₹99 plus GST
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
Not Applicable
Movie Benefits
Earn 5X Reward Points (1.25% reward rate) on movie spends, capped at 5,000 points monthly.
Not Applicable
Not Applicable
Dining Benefits
Earn 5X Reward Points (1.25% reward rate) on dining spends, capped at 5,000 points monthly.
Not Applicable
Get 2% back as Reward Points on Grocery and Dining spends, capped at 800 RPs per cycle.
Golf Benefits
Not Applicable
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.
1% waiver on fuel transactions (₹100-₹5000) at IndianOil, max ₹100 per statement cycle.
Security & Other
Insurance Benefits
Not Applicable
Not Applicable
Personal accident insurance cover of INR 2,00,000 included for financial security.
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.
2.5% of cash withdrawn (min ₹500), or ₹300 for every ₹10,000 withdrawn.