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HPCL ENERGIE BOBCARD Credit Card VS IDFC HPCL First Power Plus 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: 26 July 2026

Both HPCL ENERGIE BOBCARD Credit Card and IDFC HPCL First Power Plus 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. IDFC HPCL First Power Plus Credit Card costs ₹499 + GST and earns up to 6.5% savings on HPCL fuel, 5% on Groceries/Utilities/FASTag, 3X on UPI & retail. HPCL ENERGIE BOBCARD Credit Card also brings 4 complimentary domestic airport lounge accesses per year (1 per calendar quarter), while IDFC HPCL First Power Plus Credit Card counters with complimentary access once per quarter on minimum monthly spends of ₹20,000. 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 Plus Credit Card
IDFC HPCL First Power Plus Credit Card

Fees & Charges

Joining Fee₹499 + GST
Joining Fee₹1,999 + GST
Renewal Fee₹499 + GST
Renewal Fee₹1,999 + GST
Spend Based WaiverRenewal fee waived off on spending ₹50,000 or more in the preceding year.
Spend Based WaiverAnnual fee waiver on spending ₹1.5 Lakhs in the previous year.
Foreign Transaction Fees3.5% on all foreign transactions
Foreign Transaction Fees1.99% + GST
Interest Rate (APR)3.75% Per Month (45% Annually) or 3.49% Per Month on outstanding amounts.
Interest Rate (APR)0.00% to 3.50% per month (0% for up to 48 days).

Rewards & Benefits

Welcome Bonus500 Bonus Reward Points on spending ₹5,000 or more within 60 days of card issuance.
Welcome Bonus₹2500 total benefits: ₹500 fuel voucher, ₹1500 brand vouchers, ₹500 utility cashback.
Rewards RateEarn 24 RP on HPCL fuel, 10 RP on groceries/departmental stores, and 2 RP on other spends for every ₹150.
Rewards Rate5% savings & 6X rewards on HPCL fuel; 6X on grocery/apparel; 3X on utility/Fastag; 10X on birthday.
Reward TypeReward Points, Cashback
Reward TypeReward Points, Cashback, Other Benefits
Reward Redemption FeeNil
Reward Redemption FeeNo reward redemption fee.

Travel & Lifestyle

Domestic Lounge Access4 complimentary domestic airport lounge accesses per year (1 per quarter), subject to spend.
Domestic Lounge Access1 complimentary domestic airport lounge access per quarter on spending ₹5,000 in the previous quarter.
International Lounge Access
International Lounge Access
Travel Benefits
Travel BenefitsComplimentary domestic airport lounge access & roadside assistance.
Movie Benefits25% discount (max ₹100) on 2 movie tickets via District App, twice a month.
Movie Benefits
Dining Benefits
Dining Benefits
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 at HPCL pumps (up to ₹300/month).

Security & Other

Insurance Benefits
Insurance BenefitsPersonal Accident Cover (₹50L), Air Accident (₹1Cr), Lost Card Liability (₹50K), Travel Insurance.
Cash Advance Charges2.5% of the amount or ₹500, whichever is higher.
Cash Advance Charges₹199 + GST or 2.5% of the amount, whichever is higher.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

HPCL ENERGIE BOBCARD Credit Card

IDFC HPCL First Power Plus 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 HPCL First Power Plus Credit Card is a premium fuel credit card designed for daily commuters and high fuel spenders. It offers maximum fuel benefits with extensive everyday rewards, providing annual savings of up to ₹18,500. Cardholders also enjoy welcome benefits worth ₹2500, complimentary domestic airport lounge access, and comprehensive insurance covers. This card is ideal for individuals seeking significant savings on fuel and a range of lifestyle 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.

Maximum fuel benefits with extensive everyday rewards, saving up to ₹18,500 annually.

Enjoy complimentary domestic airport lounge access and roadside assistance.

Benefit from a low foreign currency markup of 1.99% and 0% interest on cash withdrawals.

Generous welcome benefits worth ₹2500 including fuel vouchers and brand vouchers.

Annual fee waiver on spending ₹1.5 Lakhs, making it cost-effective for regular users.

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.

The annual fee of ₹1,999 + GST is relatively high for a fuel-focused card.

Lounge access is limited to domestic airports and requires a minimum spend.

Reward points on fuel are capped, limiting benefits for very high spenders.

Welcome benefits require specific transaction types and spend thresholds to unlock.

The card lacks international lounge access, which is a drawback for global travelers.

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 Plus Credit Card(opens in new tab)