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HPCL ENERGIE BOBCARD Credit Card VS ICICI Bank Platinum Chip 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.
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Last updated: 21 July 2026

Both HPCL ENERGIE BOBCARD Credit Card and ICICI Bank Platinum Chip Credit Card suit fuel-focused spenders, but they earn and cost differently. HPCL ENERGIE BOBCARD Credit Card costs ₹499 + GST and earns up to 5% savings on fuel (24 RP per ₹150); 10 RP per ₹150 on utility/departmental stores. ICICI Bank Platinum Chip Credit Card is lifetime-free and earns 2 RP for ₹100 retail, 1 RP for ₹100 utility/insurance. Up to 12x RP on iShop. HPCL ENERGIE BOBCARD Credit Card also brings 4 complimentary domestic airport lounge accesses per year (1 per calendar quarter). If fuel spending matters more, go with HPCL ENERGIE BOBCARD Credit Card; if shopping is the priority, ICICI Bank Platinum Chip Credit Card fits better.

HPCL ENERGIE BOBCARD Credit Card
HPCL ENERGIE BOBCARD Credit Card
ICICI Bank Platinum Chip Credit Card
ICICI Bank Platinum Chip Credit Card

Fees & Charges

Joining Fee₹499 + GST
Joining FeeLifetime Free
Renewal Fee₹499 + GST
Renewal FeeLifetime Free
Spend Based WaiverRenewal fee waived off on spending ₹50,000 or more in the preceding year.
Spend Based WaiverNot applicable as the card is Lifetime Free.
Foreign Transaction Fees3.5% on all foreign transactions
Foreign Transaction Fees3.5% on all international transactions.
Interest Rate (APR)3.75% Per Month (45% Annually) or 3.49% Per Month on outstanding amounts.
Interest Rate (APR)3.75% per month (45% per annum) on overdue amounts, ATM withdrawals, and if only the minimum due is paid.

Rewards & Benefits

Welcome Bonus500 Bonus Reward Points on spending ₹5,000 or more within 60 days of card issuance.
Welcome Bonus
Rewards RateEarn 24 RP on HPCL fuel, 10 RP on groceries/departmental stores, and 2 RP on other spends for every ₹150.
Rewards RateEarn 2 Reward Points for every ₹100 spent on retail transactions; 1 Reward Point for every ₹100 on utilities and insurance.
Reward TypeReward Points, Cashback
Reward TypeReward Points
Reward Redemption FeeNil
Reward Redemption Fee₹99 + GST per redemption request.

Travel & Lifestyle

Domestic Lounge Access4 complimentary domestic airport lounge accesses per year (1 per quarter), subject to spend.
Domestic Lounge Access
International Lounge Access
International Lounge Access
Travel Benefits
Travel Benefits
Movie Benefits25% discount (max ₹100) on 2 movie tickets via District App, twice a month.
Movie Benefits
Dining Benefits
Dining BenefitsUp to 15% discount at over 2500+ restaurants in India through the ICICI Bank Culinary Treats Programme.
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% waiver on HPCL fuel transactions between ₹400-₹5,000, capped at ₹100 per cycle.
Fuel Surcharge Waiver1% fuel surcharge waiver on transactions done at HPCL fuel stations. This waiver applies to fuel transactions worth ₹400 to ₹4,000.

Security & Other

Insurance Benefits
Insurance Benefits
Cash Advance Charges2.5% of the amount or ₹500, whichever is higher.
Cash Advance ChargesHigher of ₹500 or 2.5% of the amount withdrawn.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

HPCL ENERGIE BOBCARD Credit Card

ICICI Bank Platinum Chip Credit Card

Who is it for?

The HPCL ENERGIE BOBCARD Credit Card is a co-branded offering designed for frequent fuel spenders and everyday shoppers. It provides accelerated reward points on HPCL fuel, groceries, and departmental stores, along with complimentary domestic lounge access and movie discounts. With a nominal annual fee and a spend-based waiver, it's an excellent choice for maximizing savings on daily essentials and travel.

Who is it for?

The ICICI Bank Platinum Chip Credit Card is an entry-level, lifetime free credit card designed for everyday savings. It offers cardholders reward points on retail, utility, and insurance spends, along with attractive dining discounts through the Culinary Treats Programme. Cardholders also benefit from a 1% fuel surcharge waiver at HPCL pumps, making it a practical choice for daily use. This card is ideal for individuals seeking an affordable credit solution with valuable everyday benefits.

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.

The ICICI Bank Platinum Chip Credit Card is lifetime free with no joining or annual fees.

Earns valuable reward points on everyday retail, utility, and insurance expenditures.

Enjoy significant savings with up to 15% discount on dining via the Culinary Treats Programme.

Benefit from a 1% fuel surcharge waiver at HPCL pumps for transactions between ₹400 and ₹4,000.

Conveniently convert your large purchases into easy and manageable EMI options.

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.

A redemption fee of ₹99 + GST is applicable for each reward point redemption request.

The card levies a relatively high foreign currency markup fee of 3.5% on international transactions.

High interest rates of 3.75% per month apply to overdue amounts and cash advances.

Significant cash advance fees are charged, which can be costly for emergency withdrawals.

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.
Apply for HPCL ENERGIE BOBCARD Credit Card(opens in new tab)Apply for ICICI Bank Platinum Chip Credit Card(opens in new tab)