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HPCL ENERGIE BOBCARD Credit Card VS IDFC HPCL FIRST Power 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: 25 July 2026

HPCL ENERGIE BOBCARD Credit Card and IDFC HPCL FIRST Power Credit Card take different approaches to fees and rewards. 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. IDFC HPCL FIRST Power Credit Card costs an annual fee and earns not Applicable. HPCL ENERGIE BOBCARD Credit Card also brings 4 complimentary domestic airport lounge accesses per year (1 per calendar quarter). Weigh the fee against the reward rate above to see which fits your spending pattern better.

HPCL ENERGIE BOBCARD Credit Card
HPCL ENERGIE BOBCARD Credit Card
IDFC HPCL FIRST Power Credit Card
IDFC HPCL FIRST Power Credit Card

Fees & Charges

Joining Fee₹499 + GST
Joining Fee₹199 + GST
Renewal Fee₹499 + GST
Renewal Fee₹199 + GST
Spend Based WaiverRenewal fee waived off on spending ₹50,000 or more in the preceding year.
Spend Based WaiverAnnual fee waived on spends of ₹50,000 or more in the previous anniversary year.
Foreign Transaction Fees3.5% on all foreign transactions
Foreign Transaction Fees3.5% foreign currency markup.
Interest Rate (APR)3.75% Per Month (45% Annually) or 3.49% Per Month on outstanding amounts.
Interest Rate (APR)Dynamic APR from 0.71% to 3.85% per month (8.5% to 46.2% per annum).

Rewards & Benefits

Welcome Bonus500 Bonus Reward Points on spending ₹5,000 or more within 60 days of card issuance.
Welcome BonusWelcome benefits worth ₹2,250 including ₹250 on first HPCL fuel transaction & 5% cashback on first EMI conversion.
Rewards RateEarn 24 RP on HPCL fuel, 10 RP on groceries/departmental stores, and 2 RP on other spends for every ₹150.
Rewards RateUp to 5% savings on fuel (21X points), 2.5% on groceries/utilities/FASTag (15X points), 2X on others.
Reward TypeReward Points, Cashback
Reward TypeReward Points, Other Benefits
Reward Redemption FeeNil
Reward Redemption Fee₹99 + taxes per redemption.

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 BenefitsBonus Reward Points on hotel/flight bookings via app; discounts on Yatra for flights, hotels & bus.
Movie Benefits25% discount (max ₹100) on 2 movie tickets via District App, twice a month.
Movie Benefits
Dining Benefits
Dining Benefits15% off on food bill at various restaurants (not valid on Buffet & Alcoholic Beverages).
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, capped at ₹100 per statement cycle.

Security & Other

Insurance Benefits
Insurance Benefits₹2 Lakh Personal Accident Cover & ₹25,000 Lost Card Liability Cover.
Cash Advance Charges2.5% of the amount or ₹500, whichever is higher.
Cash Advance Charges₹199 per transaction; interest-free for up to 45 days.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

HPCL ENERGIE BOBCARD Credit Card

IDFC HPCL FIRST Power 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 IDFC FIRST Power Credit Card is an excellent entry-level fuel-focused card, designed for vehicle owners looking to maximize savings on their mobility and daily expenses. With a low joining and annual fee, which can be easily waived with moderate annual spending, it offers great value. The card provides up to 5% savings on fuel, along with rewards on groceries, utilities, and FASTag recharges, contributing to annual savings of up to ₹7,000. It also includes essential benefits like complimentary roadside assistance and insurance covers. This card is highly recommended for budget-conscious individuals who frequently refuel at HPCL stations and want to earn rewards on their essential household and travel spends.

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.

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.

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.

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.

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 IDFC HPCL FIRST Power Credit Card(opens in new tab)