BPCL SBI Octane Credit Card vs ICICI Bank HPCL Super Saver 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
Rs. 1,499 + GST
₹500 + GST
Renewal Fee
Rs. 1,499 + GST
₹500 + GST
Spend Based Waiver
Renewal fee waived off on annual expenditure of ₹2 Lakh in the previous year.
Annual fee waived if ₹1.5 lakh or more is spent in the preceding year.
Foreign Transaction Fees
3.5% of the transaction amount.
3.5% of the transaction amount.
Interest Rate (APR)
3.75% per month (equivalent to 45% per annum).
3.75% per month (equivalent to 45% per year) on ATM withdrawals/minimum due paid.
Rewards & Benefits
Welcome Bonus
Receive 6,000 bonus Reward Points (worth ₹1,500) upon annual fee realization and renewal.
2,000 bonus Reward Points on fee payment & ₹5k spend, plus ₹100 cashback on HP Pay app fuel purchase.
Rewards Rate
Up to 7.25% value back on BPCL fuel (25 RPs/₹100). 10 RPs/₹100 on dining, movies, groceries.
5% savings on HPCL fuel (4% cashback + 1% waiver). 20 RP/₹100 on daily essentials. 2 RP/₹100 on others.
Reward Type
Reward Points
Reward Points & Cashback
Reward Redemption Fee
₹99 (plus taxes) per request, waived for fuel redemption at BPCL petrol pumps.
₹99 + GST per redemption request.
Travel & Lifestyle
Domestic Lounge Access
4 complimentary accesses to domestic airport lounges annually, limited to 1 per quarter.
1 complimentary lounge access per quarter on spending ₹75,000 in the preceding quarter.
International Lounge Access
No complimentary international lounge access is provided with this card.
Not Applicable
Travel Benefits
Includes 4 complimentary domestic lounge accesses annually. Best for frequent road trippers.
24x7 Roadside Assistance for vehicle breakdowns, including towing, fuel delivery, taxi services.
Movie Benefits
Earn 10 Reward Points for every ₹100 spent on movie tickets.
25% discount, up to ₹100, on movie tickets on BookMyShow and INOX, twice a month.
Dining Benefits
Earn 10 Reward Points for every ₹100 spent on dining.
Dining discounts with the ICICI Bank Culinary Treats Programme at partner restaurants.
Golf Benefits
No golf benefits are offered with this card.
Not Applicable
Fuel Surcharge Waiver
1% waiver on fuel transactions up to ₹4,000 (max ₹100/month) at all pumps.
1% fuel surcharge waiver at all HPCL fuel stations across India.
Security & Other
Insurance Benefits
Complimentary Fraud Liability Cover of ₹1 Lakh is included.
Personal Accident Insurance Cover applicable for the RuPay Variant of the card.
Cash Advance Charges
2.5% of withdrawn amount, minimum ₹500.
2.5% of cash withdrawn, subject to a minimum of ₹500.