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HPCL ENERGIE BOBCARD Credit Card VS IndianOil Axis Bank Premium 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
IndianOil Axis Bank Premium Credit Card
IndianOil Axis Bank Premium Credit Card

Fees & Charges

Joining Fee
₹499 + GST
₹1,000 + GST
Renewal Fee
₹499 + GST
₹1,000 + GST
Spend Based Waiver
Renewal fee waived on annual spends of ₹50,000 or more in the preceding anniversary year.
Annual fee of ₹1,000 + GST waived on spends of ₹1,00,000 and above in an anniversary year.
Foreign Transaction Fees
3.5% on all foreign transactions.
3.50% of transaction value for foreign currency spends.
Interest Rate (APR)
3.75% per month (45% annually) on outstanding amounts.
3.75% Per Month (55.55% Per Annum) on outstanding balances.

Rewards & Benefits

Welcome Bonus
Receive 500 joining bonus reward points upon spending ₹5,000 or more within 60 days.
Enjoy 500 EDGE Miles on your first spend within 30 days of card issuance.
Rewards Rate
Up to 5% savings on fuel (24 RP per ₹150); 10 RP per ₹150 on utility/departmental stores.
Earn 6 EDGE Miles on every ₹150 spent at IOCL fuel outlets (up to ₹15k/month) & 2 EDGE Miles on groceries (up to ₹5k/month).
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
Nil
Nil charges for redeeming EDGE Miles.

Travel & Lifestyle

Domestic Lounge Access
4 complimentary domestic airport lounge accesses per year (1 per calendar quarter).
Enjoy 2 complimentary domestic lounge visits per quarter (8 annually) by spending ₹50,000 in the prior 3 months.
International Lounge Access
Not Applicable
Not Applicable
Travel Benefits
4 complimentary domestic airport lounge accesses per year (1 per calendar quarter).
Offers spend-based domestic lounge access and instant savings on flights & hotels via MakeMyTrip.
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
Enjoy 30% off on Zomato (up to ₹150, 2 times/month) & up to 25% off (max ₹800) via Eazydiner.
Golf Benefits
Not Applicable
Not Applicable
Fuel Surcharge Waiver
1% fuel surcharge is levied at all fuel stations in India.
1% fuel surcharge waiver (unlimited) at IOCL fuel outlets (GST on surcharge non-refundable).

Security & Other

Insurance Benefits
Not Applicable
Not Applicable
Cash Advance Charges
2.5% of the cash advance amount or ₹500, whichever is higher.
2.5% of withdrawn amount (minimum ₹500) for cash advances.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

HPCL ENERGIE BOBCARD Credit Card

IndianOil Axis Bank Premium 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 IndianOil Axis Bank Premium Credit Card is tailored for individuals frequently spending on fuel, offering accelerated rewards at IndianOil outlets. It provides comprehensive benefits, including grocery rewards, domestic airport lounge access, and dining discounts on Zomato and Eazydiner. This card is an excellent choice for those prioritizing fuel savings and lifestyle perks, while offering a well-rounded rewards program for everyday expenses.

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.

Excellent choice for frequent commuters with generous 6X EDGE Miles on IndianOil fuel purchases.

Well-rounded rewards program providing 2X EDGE Miles on grocery and daily spending needs.

Valuable travel perk with 2 complimentary domestic airport lounge visits each quarter.

Significant lifestyle benefits, including a 30% discount on food deliveries via Zomato.

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.

Domestic lounge access is conditional on spending ₹50,000 in the preceding three months.

Accelerated EDGE Miles for fuel and groceries have monthly spending caps for maximum benefits.

No EDGE Miles are earned on key categories like utilities, insurance, wallets, and rent payments.

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.