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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.

Features

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
Nil
Renewal Fee
₹499 + GST
Nil
Spend Based Waiver
Renewal fee waived on annual spends of ₹50,000 or more in the preceding anniversary year.
Not Applicable
Foreign Transaction Fees
3.5% on all foreign transactions.
3.5%
Interest Rate (APR)
3.75% per month (45% annually) on outstanding amounts.
3.75% per month (45% p.a.) on overdue & ATM cash.

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 for ₹100 retail, 1 RP for ₹100 utility/insurance. Up to 12x RP on iShop.
Reward Type
Reward Points
Reward Points
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).
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.
Not Applicable
Dining Benefits
Not Applicable
Avail up to 15% discount on dining through the ICICI Bank Culinary Treats Programme across 2500+ restaurants in India.
Golf Benefits
Not Applicable
Not Applicable
Fuel Surcharge Waiver
1% fuel surcharge is levied at all fuel stations in India.
1% waiver on ₹400-₹4,000 transactions at HPCL pumps.

Security & Other

Insurance Benefits
Not Applicable
Not Applicable
Cash Advance Charges
2.5% of the cash advance amount or ₹500, whichever is higher.
Higher of ₹500 or 2.5% of the amount withdrawn.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 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 Platinum Chip Credit Card from ICICI Bank is a cost-free option with zero joining and annual fees. It provides excellent opportunities to earn reward points on most purchases, which can be redeemed for various options including cashback. Cardholders benefit from a 1% fuel surcharge waiver at HPCL pumps and exclusive dining discounts, making it ideal for everyday spends and lifestyle perks while offering robust security features.

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.

Enjoy the freedom of a credit card with absolutely no joining or annual fees.

Benefit from earning reward points on a wide range of retail and utility spends.

Access exclusive dining discounts up to 15% via the Culinary Treats Programme.

Get a valuable 1% fuel surcharge waiver on transactions at HPCL petrol pumps.

Enhanced transaction security with embedded microchip and PIN verification for purchases.

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 each reward point redemption request.

A significant 3.5% foreign currency markup applies to all international transactions.

High interest rates of 3.75% per month are applicable on overdue amounts.

The Platinum Chip Credit Card does not offer any specific welcome benefits.

Cash advance transactions incur charges which are quite substantial.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.