Skip to main content

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.

Features

BPCL SBI Octane Credit Card
BPCL SBI Octane Credit Card
ICICI Bank HPCL Super Saver Credit Card
ICICI Bank HPCL Super Saver Credit Card
IndianOil HDFC Bank Credit Card
IndianOil HDFC Bank Credit Card

Fees & Charges

Joining Fee
₹1,499 + GST
₹500 + GST
₹500 + GST
Renewal Fee
₹1,499 + GST
₹500 + GST
₹500 + GST
Spend Based Waiver
The annual renewal fee is waived on an annual expenditure of ₹2,00,000 or more in the preceding year.
Annual fee waived on spending ₹1.5 lakh or more in the preceding year.
Joining fee waived on ₹20,000 spend in 90 days. Renewal fee waived on ₹50,000 annual spend.
Foreign Transaction Fees
3.5% of the transaction amount.
3.5% of the transaction amount.
3.5% markup on all international and cross-currency transactions.
Interest Rate (APR)
3.75% per month (45% per annum).
3.75% per month (45% per year) on ATM withdrawals and minimum due payments.
3.75% per month (45% per annum) on revolving credit balance.

Rewards & Benefits

Welcome Bonus
Get 6,000 bonus Reward Points worth ₹1,500 on payment of the annual fee, credited within 30 days.
2,000 bonus Reward Points on fee payment & ₹5k spend + ₹100 cashback via HP Pay app on first fuel.
Complimentary IndianOil XTRAREWARDS Program (IXRP) membership on joining.
Rewards Rate
Earn 25 Reward Points per ₹100 on BPCL fuel, lubricants, and Bharat Gas (website/app only, max 2,500 RPs/month for fuel, 500 RPs/month for Bharat Gas). Get 10 RPs per ₹100 on dining, departmental stores, groceries, and movies (max 7,500 RPs/month). Earn 1 RP per ₹100 on all other retail spends (excluding mobile wallet uploads and non-BPCL fuel).
5% savings on HPCL fuel; 20 RP/₹100 on essentials; 2 RP/₹100 on others; 6x-12x on iShop.
Earn 5% Fuel Points on IndianOil spends, groceries & bill payments; 1 FP for every ₹150 on other spends.
Reward Type
Reward Points
Reward Points & Cashback
Reward Points
Reward Redemption Fee
₹99 + applicable taxes per redemption request (not applicable for fuel redemption at BPCL pumps).
₹99 + GST per redemption request.
₹99 + GST applies for reward point redemption.

Travel & Lifestyle

Domestic Lounge Access
Enjoy 4 complimentary domestic airport lounge visits per calendar year, with a maximum of 1 visit per quarter.
1 complimentary access per quarter on ₹75,000 spend in preceding quarter (primary cardholder).
Not Applicable
International Lounge Access
No international lounge access benefits are provided with this card.
Not Applicable
Travel Benefits
Complimentary domestic lounge access (spend-based); 24x7 Roadside Assistance; Concierge (RuPay).
Not Applicable
Movie Benefits
Earn 10 Reward Points for every ₹100 spent on movie tickets, capped at 7,500 RPs per month across dining, departmental stores, groceries, and movies.
25% off (up to ₹100) on movie tickets via BookMyShow & INOX, twice a month on each.
Not Applicable
Dining Benefits
Earn 10 Reward Points for every ₹100 spent on dining, capped at 7,500 RPs per month across dining, departmental stores, groceries, and movies.
Dining discounts through ICICI Bank Culinary Treats Programme at partnered restaurants.
Not Applicable
Golf Benefits
No golf benefits are offered with this credit card.
Not Applicable
Fuel Surcharge Waiver
1% fuel surcharge waiver on fuel transactions up to ₹4,000 at all petrol pumps across India (max waiver of ₹100 per month, equivalent to ₹1,200 annual savings).
1% fuel surcharge waiver applicable at all fuel stations across India.
1% waiver on fuel transactions (min ₹400), capped at ₹250 per statement cycle.

Security & Other

Insurance Benefits
Complimentary Fraud Liability Cover of ₹1 Lakh.
Personal Accident Insurance Cover is provided (for RuPay Variant).
Zero Lost Card Liability protection against fraudulent transactions upon reporting card loss.
Cash Advance Charges
2.5% of the withdrawn amount (minimum ₹500).
2.5% of cash amount, minimum of ₹500.
2.5% of amount withdrawn, minimum ₹500, for cash advance transactions.
Apply Now(opens in new tab)
Apply Now(opens in new tab)
Apply Now(opens in new tab)
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

BPCL SBI Octane Credit Card

ICICI Bank HPCL Super Saver Credit Card

IndianOil HDFC Bank Credit Card

Who is it for?

The BPCL SBI Octane Credit Card is designed for individuals who frequently spend on fuel, especially at BPCL stations, offering a high 7.25% value back. It also provides accelerated rewards on dining, movies, and groceries, along with complimentary domestic airport lounge access, making it a strong choice for everyday spenders and domestic travelers.

Who is it for?

The ICICI Bank HPCL Super Saver Credit Card is ideal for frequent travelers and fuel spenders, offering significant savings and cashback. It provides exclusive fuel offers, reward points on daily expenses, and perks like airport lounge access and dining discounts. Enjoy comprehensive benefits across various spending categories for an economical travel and lifestyle.

Who is it for?

The IndianOil HDFC Bank Credit Card is a co-branded RuPay credit card designed for fuel enthusiasts. It offers significant rewards in the form of Fuel Points, allowing cardholders to earn up to 50 litres of free fuel annually, especially at IndianOil outlets. Benefits include accelerated points on groceries and bill payments, easy UPI linkage, and potential fee waivers based on spending. This card provides a strong value proposition for everyday fuel and utility expenses.

Pros

Key benefits and features.

High value back of 7.25% on fuel purchases at BPCL stations.

Accelerated 10X Reward Points on dining, movies, groceries, and departmental stores.

Complimentary domestic airport lounge access (4 visits annually).

Valuable welcome benefit of 6,000 Reward Points worth ₹1,500.

Opportunity to earn e-Gift Vouchers worth ₹2,000 on achieving annual spend milestones.

Pros

Key benefits and features.

Exceptional savings on fuel at HPCL pumps, including cashback and surcharge waiver.

Generous reward points on everyday spends like utilities, groceries, and department stores.

Complimentary domestic airport lounge access helps enhance travel experiences.

Attractive discounts on movie tickets and dining offers via Culinary Treats Programme.

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.

Cons

Key drawbacks and limitations.

A reward redemption fee of ₹99 + taxes applies to most redemption requests, except for fuel.

No international lounge access or specific international travel benefits.

Reward points for fuel and other categories are capped monthly.

The annual fee is higher than the base BPCL SBI Card variant.

Cons

Key drawbacks and limitations.

A redemption fee of ₹99 + GST is charged for every reward redemption request.

No international lounge access or golf benefits are provided with this card.

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

Cash advance charges are 2.5% of the amount, with a minimum fee of ₹500.

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.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

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