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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.

Features

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
₹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.
Annual fee waived on ₹50,000+ spends in previous anniversary year.
Foreign Transaction Fees
3.5% on all foreign transactions.
3.5%.
Interest Rate (APR)
3.75% per month (45% annually) on outstanding amounts.
Dynamic rates from 0.71% to 3.85% per month (8.5% to 46.2% per annum).

Rewards & Benefits

Welcome Bonus
Receive 500 joining bonus reward points upon spending ₹5,000 or more within 60 days.
Welcome benefits valued at ₹2,250, including ₹250 on first HPCL fuel and 5% cashback on first EMI.
Rewards Rate
Up to 5% savings on fuel (24 RP per ₹150); 10 RP per ₹150 on utility/departmental stores.
Up to 5% savings on fuel; 2.5% on grocery, utility & FASTag; 2X on UPI & other retail transactions.
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
Nil
₹99 plus taxes.

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).
Up to 8.67% savings on hotel & flight bookings via IDFC FIRST App. Discounts on Yatra for travel.
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
Discounts on dining with partners like Swiggy, Zomato, Domino's, and select restaurants.
Golf Benefits
Not Applicable
Not Applicable
Fuel Surcharge Waiver
1% fuel surcharge is levied at all fuel stations in India.
1% fuel surcharge waiver, capped at ₹100 per month. Some sources note accelerated rewards instead.

Security & Other

Insurance Benefits
Not Applicable
Personal Accident Cover ₹2,00,000, Lost Card Liability Cover ₹25,000.
Cash Advance Charges
2.5% of the cash advance amount or ₹500, whichever is higher.
₹199 per transaction; 0% interest on ATM cash withdrawals for up to 45 days.
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 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 IDFC FIRST Bank HPCL FIRST Power Credit Card is a RuPay co-branded card offering significant savings on fuel, groceries, and utility expenses. Cardholders can save up to ₹7,000 annually. It provides welcome benefits up to ₹2,250 and allows users to earn non-expiring reward points on various purchases, along with flexible interest rates and 0% interest on ATM cash withdrawals until the due date. This card is ideal for daily spenders focused on fuel and household savings.

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.

This card offers substantial savings on fuel, utility, and grocery expenses.

Enjoy flexible EMI conversions on purchases and balances, enhancing financial control.

Benefit from a low joining fee of ₹199 plus GST, making it easily accessible.

Reward points earned on the card never expire, providing long-term value.

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.

The card does not offer any complimentary domestic or international lounge access.

Golf benefits are not available with this card, limiting premium lifestyle perks.

The fuel surcharge waiver has conflicting information, making the actual benefit unclear.

Ready to Choose?

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