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HPCL ENERGIE BOBCARD Credit Card VS ICICI Bank HPCL Platinum 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 Platinum Credit Card
ICICI Bank HPCL Platinum 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.
Renewal fee waived on spending Rs. 50,000 or more in the preceding year.
Foreign Transaction Fees
3.5% on all foreign transactions.
3.50% on all foreign currency spends.
Interest Rate (APR)
3.75% per month (45% annually) on outstanding amounts.
3.40% per month (or 40.8% annually).

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.
2.5% cashback on HPCL fuel (max Rs. 100/month); 2 Reward Points per Rs. 100 on retail spends.
Reward Type
Reward Points
Reward Points & Cashback
Reward Redemption Fee
Nil
Rs. 99 on every reward redemption request.

Travel & Lifestyle

Domestic Lounge Access
4 complimentary domestic airport lounge accesses per year (1 per calendar quarter).
2 spa sessions at selected Indian airports annually through Dreamfolks membership.
International Lounge Access
Not Applicable
2 complimentary airport lounge visits outside India per year via Dreamfolks membership.
Travel Benefits
4 complimentary domestic airport lounge accesses per year (1 per calendar quarter).
Complimentary Dreamfolks membership, 2 international lounge visits & 2 spa sessions annually.
Movie Benefits
Get 25% off up to ₹100 on minimum 2 tickets per transaction at partner platforms, twice a month.
Rs. 100 off on movie tickets via BookMyShow, twice monthly.
Dining Benefits
Not Applicable
Min. 15% savings on dining bills via ICICI Bank Culinary Treats Programme at 2,500+ restaurants.
Golf Benefits
Not Applicable
Not Applicable
Fuel Surcharge Waiver
1% fuel surcharge is levied at all fuel stations in India.
1% waiver at all HPCL pumps for transactions up to Rs. 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 transaction amount or Rs. 300, whichever is higher.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

HPCL ENERGIE BOBCARD Credit Card

ICICI Bank HPCL Platinum 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 Platinum Credit Card is ideal for frequent fuel spenders, offering 2.5% cashback on HPCL fuel and a 1% fuel surcharge waiver. With a nominal fee of Rs. 199 (which can be waived), it also provides benefits like movie discounts, dining savings via Culinary Treats, and complimentary international lounge access through Dreamfolks membership. This card is a cost-effective choice for everyday savings across various categories.

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.

Attractive 2.5% cashback on fuel purchases at HPCL and a 1% fuel surcharge waiver, leading to significant savings.

Nominal joining and annual fee of Rs. 199, easily waived by spending Rs. 50,000 in the preceding year.

Valuable benefits like movie discounts, dining savings through Culinary Treats, and international lounge access.

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.

Fuel cashback is capped at only Rs. 100 per month, limiting savings for high spenders on fuel.

A redemption fee of Rs. 99 is charged on every reward redemption request, reducing overall value.

High foreign currency markup of 3.50% makes it unsuitable for frequent international transactions.

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.