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HPCL ENERGIE BOBCARD Credit Card VS IndianOil HDFC Bank 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: 21 July 2026

Both HPCL ENERGIE BOBCARD Credit Card and IndianOil HDFC Bank 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. IndianOil HDFC Bank Credit Card costs ₹500 + GST and earns 5% Fuel Points on IndianOil spends, groceries & bill payments; 1 FP for every ₹150 on other spends. HPCL ENERGIE BOBCARD Credit Card also brings 4 complimentary domestic airport lounge accesses per year (1 per calendar quarter), while IndianOil HDFC Bank Credit Card counters with zero Lost Card Liability protection against fraudulent transactions upon reporting card loss. 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
IndianOil HDFC Bank Credit Card
IndianOil HDFC Bank Credit Card

Fees & Charges

Joining Fee₹499 + GST
Joining Fee₹500 + GST
Renewal Fee₹499 + GST
Renewal Fee₹500 + GST
Spend Based WaiverRenewal fee waived off on spending ₹50,000 or more in the preceding year.
Spend Based WaiverJoining Fee waived on ₹20,000 spend in 90 days. Renewal Fee waived on ₹50,000 annual spend.
Foreign Transaction Fees3.5% on all foreign transactions
Foreign Transaction Fees3.5% of the transaction amount.
Interest Rate (APR)3.75% Per Month (45% Annually) or 3.49% Per Month on outstanding amounts.
Interest Rate (APR)Revolving Credit: 3.75% per month (45% p.a.). Overdue: Up to 3.49% per month (41.88% p.a.).

Rewards & Benefits

Welcome Bonus500 Bonus Reward Points on spending ₹5,000 or more within 60 days of card issuance.
Welcome BonusComplimentary IndianOil XTRAREWARDS Program (IXRP) membership. Voucher worth ₹250 upon card activation and one transaction.
Rewards RateEarn 24 RP on HPCL fuel, 10 RP on groceries/departmental stores, and 2 RP on other spends for every ₹150.
Rewards RateAccelerated 5% Fuel Points on IndianOil, groceries, and bill payments. 1 Fuel Point on every ₹150 spent on other purchases.
Reward TypeReward Points, Cashback
Reward TypeReward Points
Reward Redemption FeeNil
Reward Redemption Fee₹99 plus GST for redemption through net-banking towards catalog products or as cashback.

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 Benefits
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% waiver across all petrol pumps on min ₹400 transaction. Max waiver ₹250 per statement cycle.

Security & Other

Insurance Benefits
Insurance BenefitsZero Cost Card Liability for fraudulent transactions if reported immediately.
Cash Advance Charges2.5% of the amount or ₹500, whichever is higher.
Cash Advance Charges2.5% of amount withdrawn, subject to a minimum charge of ₹500.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

HPCL ENERGIE BOBCARD Credit Card

IndianOil HDFC Bank 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 IndianOil HDFC Bank Credit Card is a co-branded card for high fuel spenders, offering significant savings through Fuel Points redeemable for free fuel at IndianOil pumps. Users can earn up to 50 liters of free fuel annually, with accelerated 5% Fuel Points on IndianOil, groceries, and bill payments. Operating on the RuPay network, it also supports convenient UPI payments.

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.

Accelerated 5% Fuel Points on IndianOil outlets, with high ₹0.96 redemption value for free fuel.

Earn 5% Fuel Points on groceries and utility bill payments, making it useful for daily expenses.

RuPay network enables UPI integration, allowing convenient mobile payments via linked applications.

Joining and renewal fees are waivable based on spending, offering potential for a free-for-life card.

Benefits include 1% fuel surcharge waiver, up to 50 days interest-free credit, and zero lost card liability.

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.

Monthly caps on Fuel Points in accelerated categories limit benefits for very high spenders.

No Fuel Points on wallet loading, government, EMI, rental, gold purchases, or non-IndianOil fuel.

A ₹99 + GST fee applies for redeeming Fuel Points as cashback or for catalog products.

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 IndianOil HDFC Bank Credit Card(opens in new tab)