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HPCL ENERGIE BOBCARD Credit Card VS BPCL SBI 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.
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Last updated: 21 July 2026

Both HPCL ENERGIE BOBCARD Credit Card and BPCL SBI Credit Card suit fuel-focused spenders, but they earn and cost differently. HPCL ENERGIE BOBCARD Credit Card costs ₹499 + GST and earns up to 5% savings on fuel (24 RP per ₹150); 10 RP per ₹150 on utility/departmental stores. BPCL SBI Credit Card costs Rs. 499 + GST and earns 4.25% Valueback on fuel. 5 points per Rs. 100 on select categories & 1 point on others. HPCL ENERGIE BOBCARD Credit Card also brings 4 complimentary domestic airport lounge accesses per year (1 per calendar quarter), while BPCL SBI Credit Card counters with get 2,000 Activation Bonus Reward Points worth Rs. 500 on payment of the joining fee. Weigh the fee against the reward rate above to see which fits your spending pattern better.

HPCL ENERGIE BOBCARD Credit Card
HPCL ENERGIE BOBCARD Credit Card
BPCL SBI Credit Card
BPCL SBI Credit Card

Fees & Charges

Joining Fee₹499 + GST
Joining Fee₹499 + GST
Renewal Fee₹499 + GST
Renewal Fee₹499 + GST
Spend Based WaiverRenewal fee waived off on spending ₹50,000 or more in the preceding year.
Spend Based WaiverRenewal fee waived if annual spends for the preceding year are Rs. 50,000 or more.
Foreign Transaction Fees3.5% on all foreign transactions
Foreign Transaction Fees3.5% of the transaction amount.
Interest Rate (APR)3.75% Per Month (45% Annually) or 3.49% Per Month on outstanding amounts.
Interest Rate (APR)Monthly 3.5%-3.75% (42-45% annually).

Rewards & Benefits

Welcome Bonus500 Bonus Reward Points on spending ₹5,000 or more within 60 days of card issuance.
Welcome BonusGet 2,000 Activation Bonus Reward Points worth Rs. 500 on payment of the joining fee.
Rewards RateEarn 24 RP on HPCL fuel, 10 RP on groceries/departmental stores, and 2 RP on other spends for every ₹150.
Rewards Rate4.25% Valueback on fuel. 5 points per Rs. 100 on select categories & 1 point on others.
Reward TypeReward Points, Cashback
Reward TypeReward Points
Reward Redemption FeeNil
Reward Redemption FeeRs. 99 (plus applicable taxes) per redemption request.

Travel & Lifestyle

Domestic Lounge Access4 complimentary domestic airport lounge accesses per year (1 per quarter), subject to spend.
Domestic Lounge AccessNot Applicable
International Lounge Access
International Lounge AccessNot Applicable
Travel Benefits
Travel BenefitsNot Applicable
Movie Benefits25% discount (max ₹100) on 2 movie tickets via District App, twice a month.
Movie BenefitsEarn 5 Reward Points on every Rs. 100 spent on movie tickets (5X Reward Points).
Dining Benefits
Dining BenefitsEarn 5 Reward Points on every Rs. 100 spent on dining (5X Reward Points).
Golf Benefits
Golf BenefitsNot Applicable
Fuel Surcharge Waiver1% waiver on HPCL fuel transactions between ₹400-₹5,000, capped at ₹100 per cycle.
Fuel Surcharge Waiver1% waiver up to Rs. 100 per billing cycle on transactions up to Rs. 4,000 at BPCL pumps.

Security & Other

Insurance Benefits
Insurance BenefitsNot Applicable
Cash Advance Charges2.5% of the amount or ₹500, whichever is higher.
Cash Advance Charges2.5% of withdrawn amount, subject to a minimum charge of Rs. 500.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

HPCL ENERGIE BOBCARD Credit Card

BPCL SBI Credit Card

Who is it for?

The HPCL ENERGIE BOBCARD Credit Card is a co-branded offering designed for frequent fuel spenders and everyday shoppers. It provides accelerated reward points on HPCL fuel, groceries, and departmental stores, along with complimentary domestic lounge access and movie discounts. With a nominal annual fee and a spend-based waiver, it's an excellent choice for maximizing savings on daily essentials and travel.

Who is it for?

The BPCL SBI Card is an excellent entry-level credit card, co-branded with BPCL, ideal for everyday users. It offers significant value back on fuel purchases at BPCL stations, with a total of 4.25% value back, including a fuel surcharge waiver. Beyond fuel, cardholders benefit from accelerated reward points on common spending categories such as dining, groceries, departmental stores, and movies. This card provides practical savings on essential expenses with a nominal annual fee, making it a great choice for maximizing daily expenditures.

Pros

Key benefits and features.

Accelerated reward points on HPCL fuel, groceries, and departmental store spends.

Complimentary domestic airport lounge access enhances travel convenience for cardholders.

Enjoy movie ticket discounts, making entertainment more affordable with this card.

Annual fee waiver on achieving a reasonable spend threshold of ₹50,000 annually.

Pros

Key benefits and features.

Offers great reward points and significant value back on fuel transactions at BPCL petrol pumps across India.

The BPCL SBI Card is highly accessible due to its competitive and low joining cost of just Rs. 499.

Provides attractive rewards on various everyday spending categories like groceries, dining, and movie tickets.

Cons

Key drawbacks and limitations.

High foreign currency markup of 3.5% makes international transactions expensive.

Lounge access is subject to a minimum spend of ₹20,000 in the preceding quarter.

High interest rates of up to 45% annually can be a significant drawback if balances are carried.

Reward points are capped for accelerated categories, limiting maximum benefits.

Cons

Key drawbacks and limitations.

Cardholders will not receive any complimentary domestic or international airport lounge access.

There are no specific insurance benefits or covers included as part of this credit card's offerings.

Reward points are not earned on transactions for mobile wallet uploads or fuel purchases outside BPCL stations.

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.
Apply for HPCL ENERGIE BOBCARD Credit Card(opens in new tab)Apply for BPCL SBI Credit Card(opens in new tab)