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HPCL ENERGIE BOBCARD Credit Card VS ICICI Bank HPCL Coral 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
ICICI Bank HPCL Coral Credit Card
ICICI Bank HPCL Coral Credit Card

Fees & Charges

Joining Fee
₹499 + GST
₹199 + GST
Renewal Fee
₹499 + GST
₹199 + GST
Spend Based Waiver
Renewal fee waived on annual spends of ₹50,000 or more in the preceding anniversary year.
Annual fee waiver on spending ₹50,000 or more in an anniversary year.
Foreign Transaction Fees
3.5% on all foreign transactions.
3.5% of transaction amount.
Interest Rate (APR)
3.75% per month (45% annually) on outstanding amounts.
3.4% p.m. (40.8% p.a.) overall, 3.75% p.m. for ATM cash/min. due payments.

Rewards & Benefits

Welcome Bonus
Receive 500 joining bonus reward points upon spending ₹5,000 or more within 60 days.
Not Applicable
Rewards Rate
Up to 5% savings on fuel (24 RP per ₹150); 10 RP per ₹150 on utility/departmental stores.
Earn 2 RP/₹100 on retail, 1 RP/₹100 on utility/insurance, 6x-12x on iShop.
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
Nil
₹99 + taxes per redemption request.

Travel & Lifestyle

Domestic Lounge Access
4 complimentary domestic airport lounge accesses per year (1 per calendar quarter).
Not Applicable
International Lounge Access
Not Applicable
Not Applicable
Travel Benefits
4 complimentary domestic airport lounge accesses per year (1 per calendar quarter).
Not Applicable
Movie Benefits
Get 25% off up to ₹100 on minimum 2 tickets per transaction at partner platforms, twice a month.
25% discount on movie tickets up to ₹100, twice/month via BookMyShow on 2+ tickets.
Dining Benefits
Not Applicable
Up to 15% discount on dining across 800+ partner restaurants via Culinary Treats Programme.
Golf Benefits
Not Applicable
Not Applicable
Fuel Surcharge Waiver
1% fuel surcharge is levied at all fuel stations in India.
1% waiver on fuel surcharge at HPCL pumps for transactions ₹400-₹4,000 and ₹4,000+.

Security & Other

Insurance Benefits
Not Applicable
Not Applicable
Cash Advance Charges
2.5% of the cash advance amount or ₹500, whichever is higher.
2.5% of amount withdrawn, minimum ₹300.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

HPCL ENERGIE BOBCARD Credit Card

ICICI Bank HPCL Coral 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 ICICI Bank HPCL Coral Credit Card is a co-branded card offering significant savings on fuel at HPCL pumps, along with attractive discounts on movies and dining. With low fees and an easy waiver condition, it's ideal for vehicle owners seeking value in everyday spending and entertainment. Its flexible reward system further enhances its appeal.

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.

Significant savings of up to 3.5% on fuel purchases at all HPCL petrol pumps.

Features a low joining and annual fee of just ₹199 + GST, making it economical.

Easily waive the annual fee by spending ₹50,000 or more in an anniversary year.

Enjoy attractive discounts on movie tickets via BookMyShow and dining offers.

Reward points are flexible, redeemable for various products, vouchers, or fuel.

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 relatively high foreign currency markup of 3.5% for international transactions.

High interest rates applicable on cash advances and outstanding balances.

Fuel purchases do not earn standard reward points, only specific cashback/waiver.

A redemption fee of ₹99 plus taxes is charged for each reward point redemption request.

Lacks premium travel benefits such as domestic or international lounge access.

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.