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 + 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.