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HPCL ENERGIE BOBCARD Credit Card VS ICICI Bank HPCL Super Saver 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 Super Saver Credit Card
ICICI Bank HPCL Super Saver Credit Card

Fees & Charges

Joining Fee
₹499 + GST
₹500 + GST
Renewal Fee
₹499 + GST
₹500 + GST
Spend Based Waiver
Renewal fee waived on annual spends of ₹50,000 or more in the preceding anniversary year.
Annual fee waived on spending ₹1.5 lakh 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 year) on ATM withdrawals and minimum due payments.

Rewards & Benefits

Welcome Bonus
Receive 500 joining bonus reward points upon spending ₹5,000 or more within 60 days.
2,000 bonus Reward Points on fee payment & ₹5k spend + ₹100 cashback via HP Pay app on first fuel.
Rewards Rate
Up to 5% savings on fuel (24 RP per ₹150); 10 RP per ₹150 on utility/departmental stores.
5% savings on HPCL fuel; 20 RP/₹100 on essentials; 2 RP/₹100 on others; 6x-12x on iShop.
Reward Type
Reward Points
Reward Points & Cashback
Reward Redemption Fee
Nil
₹99 + GST per redemption request.

Travel & Lifestyle

Domestic Lounge Access
4 complimentary domestic airport lounge accesses per year (1 per calendar quarter).
1 complimentary access per quarter on ₹75,000 spend in preceding quarter (primary cardholder).
International Lounge Access
Not Applicable
No international lounge access benefits are provided with this card.
Travel Benefits
4 complimentary domestic airport lounge accesses per year (1 per calendar quarter).
Complimentary domestic lounge access (spend-based); 24x7 Roadside Assistance; Concierge (RuPay).
Movie Benefits
Get 25% off up to ₹100 on minimum 2 tickets per transaction at partner platforms, twice a month.
25% off (up to ₹100) on movie tickets via BookMyShow & INOX, twice a month on each.
Dining Benefits
Not Applicable
Dining discounts through ICICI Bank Culinary Treats Programme at partnered restaurants.
Golf Benefits
Not Applicable
No golf benefits are offered with this credit card.
Fuel Surcharge Waiver
1% fuel surcharge is levied at all fuel stations in India.
1% fuel surcharge waiver applicable at all fuel stations across India.

Security & Other

Insurance Benefits
Not Applicable
Personal Accident Insurance Cover is provided (for RuPay Variant).
Cash Advance Charges
2.5% of the cash advance amount or ₹500, whichever is higher.
2.5% of cash amount, minimum of ₹500.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

HPCL ENERGIE BOBCARD Credit Card

ICICI Bank HPCL Super Saver 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 Super Saver Credit Card is ideal for frequent travelers and fuel spenders, offering significant savings and cashback. It provides exclusive fuel offers, reward points on daily expenses, and perks like airport lounge access and dining discounts. Enjoy comprehensive benefits across various spending categories for an economical travel and lifestyle.

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.

Exceptional savings on fuel at HPCL pumps, including cashback and surcharge waiver.

Generous reward points on everyday spends like utilities, groceries, and department stores.

Complimentary domestic airport lounge access helps enhance travel experiences.

Attractive discounts on movie tickets and dining offers via Culinary Treats Programme.

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 redemption fee of ₹99 + GST is charged for every reward redemption request.

No international lounge access or golf benefits are provided with this card.

High foreign currency markup of 3.5% makes international spends less rewarding.

Cash advance charges are 2.5% of the amount, with a minimum fee of ₹500.

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.