HPCL ENERGIE BOBCARD Credit Card VS ICICI Bank HPCL Coral Credit Card VS IDFC HPCL FIRST Power Credit Card VS Union Uni Carbon Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
HPCL ENERGIE BOBCARD Credit Card
ICICI Bank HPCL Coral Credit Card
IDFC HPCL FIRST Power Credit Card
Union Uni Carbon Credit Card
Who is it for?
Who is it for?
Who is it for?
Who is it for?
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.
Significant savings up to 3.5% on fuel transactions at HPCL pumps.
Low joining and annual fees of ₹199 + GST with an achievable waiver.
Enjoy 25% discount on movie tickets via BookMyShow, twice monthly.
Valuable dining offers through the Culinary Treats Programme.
Reward points can be redeemed for fuel, products, and shopping vouchers.
Pros
Key benefits and features.
Offers substantial savings of up to 5% on fuel, groceries, and utility bill payments.
Features a low joining and annual fee, easily waived with moderate annual spending.
Provides essential benefits like complimentary roadside assistance and insurance covers.
Allows UPI transactions directly from the credit card, earning reward points.
Enjoy interest-free ATM cash withdrawals for up to 45 days, a unique benefit.
Pros
Key benefits and features.
High savings on fuel, especially at HPCL outlets (up to 6.5% via HP Pay App).
Dedicated 4% cashback on HPCL fuel transactions, maximizing fuel savings.
Annual fee waiver on a reasonable spend threshold of ₹1,00,000 annually.
RuPay network enables UPI linkage for convenient merchant payments.
Milestone rewards provide additional value for higher annual spending.
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.
Fuel purchases are explicitly not eligible for earning reward points.
A rewards redemption fee of ₹99 + taxes applies per request.
High foreign currency markup of 3.5% on international transactions.
Movie benefit eligibility is conditional on a quarterly spend threshold.
High interest rates on cash advances and outstanding balances.
Cons
Key drawbacks and limitations.
Lacks complimentary domestic or international airport lounge access benefits.
A redemption fee of ₹99 + taxes is charged for redeeming reward points.
High foreign currency markup of 3.5% makes international spends expensive.
No specific movie or dining discounts are explicitly highlighted for this variant.
Cons
Key drawbacks and limitations.
Limited redemption options, primarily focused on cashback and HP Pay app benefits.
No travel or lifestyle benefits like lounge access, dining, or movies are offered.
High interest rate of 2.95% per month if balances are carried over.
Insurance coverage is lower compared to some premium credit cards.