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HPCL ENERGIE BOBCARD Credit Card VS BPCL SBI Octane 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.

Features

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

Fees & Charges

Joining Fee
₹499 + GST
₹1,499 + GST
Renewal Fee
₹499 + GST
₹1,499 + GST
Spend Based Waiver
Renewal fee waived on annual spends of ₹50,000 or more in the preceding anniversary year.
The annual renewal fee is waived on an annual expenditure of ₹2,00,000 or more in the preceding year.
Foreign Transaction Fees
3.5% on all foreign transactions.
3.5% of the transaction amount.
Interest Rate (APR)
3.75% per month (45% annually) on outstanding amounts.
3.75% per month (45% per annum).

Rewards & Benefits

Welcome Bonus
Receive 500 joining bonus reward points upon spending ₹5,000 or more within 60 days.
Get 6,000 bonus Reward Points worth ₹1,500 on payment of the annual fee, credited within 30 days.
Rewards Rate
Up to 5% savings on fuel (24 RP per ₹150); 10 RP per ₹150 on utility/departmental stores.
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).
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
Nil
₹99 + applicable taxes per redemption request (not applicable for fuel redemption at BPCL pumps).

Travel & Lifestyle

Domestic Lounge Access
4 complimentary domestic airport lounge accesses per year (1 per calendar quarter).
Enjoy 4 complimentary domestic airport lounge visits per calendar year, with a maximum of 1 visit per quarter.
International Lounge Access
Not Applicable
Travel Benefits
4 complimentary domestic airport lounge accesses per year (1 per calendar quarter).
Movie Benefits
Get 25% off up to ₹100 on minimum 2 tickets per transaction at partner platforms, twice a month.
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.
Dining Benefits
Not Applicable
Earn 10 Reward Points for every ₹100 spent on dining, capped at 7,500 RPs per month across dining, departmental stores, groceries, and movies.
Golf Benefits
Not Applicable
Fuel Surcharge Waiver
1% fuel surcharge is levied at all fuel stations in India.
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).

Security & Other

Insurance Benefits
Not Applicable
Complimentary Fraud Liability Cover of ₹1 Lakh.
Cash Advance Charges
2.5% of the cash advance amount or ₹500, whichever is higher.
2.5% of the withdrawn amount (minimum ₹500).
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

HPCL ENERGIE BOBCARD Credit Card

BPCL SBI Octane Credit Card

Who is it for?

The HPCL ENERGIE BOBCARD Credit Card is a co-branded card offering significant savings, especially on fuel purchases at HPCL outlets, LPG, and via the HP Pay App. It provides up to 5% savings on fuel, complemented by accelerated rewards on utility and departmental store spends. Cardholders also enjoy welcome benefits, complimentary domestic lounge access, and movie discounts. With a nominal fee and waiver options, it's an excellent choice for commuters and everyday spenders focused on fuel economy and lifestyle perks.

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.

Pros

Key benefits and features.

Substantial savings of up to 5% on fuel purchases, especially at HPCL stations.

Accelerated reward points on essential spending categories like utilities and departmental stores.

Complimentary domestic lounge access offers comfort for frequent travelers within India.

Discounts on movie tickets and optional BOGO offers enhance entertainment value.

Nominal annual fee with an easy waiver option based on annual spending targets.

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.

Cons

Key drawbacks and limitations.

Fuel surcharge waiver capped at ₹100 per statement cycle, limiting overall savings.

Domestic lounge access will require a minimum spend of ₹20,000 per quarter from 2025.

No international lounge access or specific travel benefits beyond domestic lounges.

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

Cash advance charges of 2.5% or ₹500 are relatively high for urgent cash needs.

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.

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.