BPCL SBI Octane Credit Card vs ICICI Bank HPCL Super Saver Credit Card vs IndianOil HDFC Bank 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
Rs. 1,499 + GST
₹500 + GST
₹500 plus applicable taxes (GST)
Renewal Fee
Rs. 1,499 + GST
₹500 + GST
₹500 plus applicable taxes (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.
Renewal fee waived on ₹50,000 annual spend; joining fee waived on ₹20,000 spend in first 90 days.
Foreign Transaction Fees
3.5% of the transaction amount.
3.5% of the transaction amount.
3.5% will be applicable on all International/Cross currency transactions.
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.
3.75% per month (45% per year) on revolving credit.
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.
Joining fee waiver on spending ₹20,000 in the first 90 days from card issuance.
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.
Earn 5% of spends as Fuel Points at IndianOil outlets, groceries, and bill payments. 1 Fuel Point for every ₹150 on other spends.
Reward Type
Reward Points
Reward Points & Cashback
Fuel Points
Reward Redemption Fee
₹99 (plus taxes) per request, waived for fuel redemption at BPCL petrol pumps.
₹99 + GST per redemption request.
₹99 plus GST
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.
Not Applicable
International Lounge Access
No complimentary international lounge access is provided with this card.
Not Applicable
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.
Not Applicable
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.
Not Applicable
Dining Benefits
Earn 10 Reward Points for every ₹100 spent on dining.
Dining discounts with the ICICI Bank Culinary Treats Programme at partner restaurants.
Not Applicable
Golf Benefits
No golf benefits are offered with this card.
Not Applicable
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.
1% waiver on fuel transactions (min ₹400, max ₹250/cycle) at all fuel stations.
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.
Not Applicable
Cash Advance Charges
2.5% of withdrawn amount, minimum ₹500.
2.5% of cash withdrawn, subject to a minimum of ₹500.
2.5% of amount withdrawn, subject to a minimum charge of Rs 500.