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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: 30 September 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.

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CheQ AU Credit Card

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CheQ AU Credit Card
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 WaiverRenewal Fee is waived on annual spends of ₹50,000 or above in the previous year/card anniversary year.
Foreign Transaction Fees3.5% on all foreign transactions
Foreign Transaction Fees3.5% of the transaction amount on all International / Cross currency transactions.
Interest Rate (APR)3.75% Per Month (45% Annually) or 3.49% Per Month on outstanding amounts.
Interest Rate (APR)3.75% per month (45% per annum). Overdue interest charges are up to 3.49% per month (41.88% annually).

Rewards & Benefits

Welcome Bonus500 Bonus Reward Points on spending ₹5,000 or more within 60 days of card issuance.
Welcome BonusVoucher worth ₹250 upon card activation and completion of at least one transaction within 37 days.
Rewards RateEarn 24 RP on HPCL fuel, 10 RP on groceries/departmental stores, and 2 RP on other spends for every ₹150.
Rewards RateEarn 5% Fuel Points on IndianOil outlets, groceries, and bill payments (capped). 1 Fuel Point on every ₹150 spent on other purchases.
Reward TypeReward Points, Cashback
Reward TypeReward Points, Cashback
Reward Redemption FeeNil
Reward Redemption Fee₹99 + GST.

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 a minimum transaction of ₹400. Maximum waiver of ₹250 each statement cycle.

Security & Other

Insurance Benefits
Insurance BenefitsZero Cost Card Liability for fraudulent transactions if reported immediately to HDFC Bank.
Cash Advance Charges2.5% of the amount or ₹500, whichever is higher.
Cash Advance Charges2.5% of the 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 fuel credit card designed for high fuel spenders, offering significant savings on fuel purchases, groceries, and utility bills. It provides up to 50 liters of free fuel annually and accelerated 5% Fuel Points at IndianOil outlets. Operating on the RuPay network, it also supports UPI linking for convenient mobile payments. This card is ideal for those seeking substantial rewards on everyday essential spending.

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.

Being on the RuPay network, the card can be linked to UPI applications for convenient and fast mobile payments.

Offers accelerated 5% Fuel Points on spends at IndianOil outlets, groceries, and utility bill payments.

Provides significant annual savings with the potential to earn up to 50 liters of free fuel.

Renewal fee is easily waived on annual spends of just ₹50,000, making it cost-effective.

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 capping on Fuel Points for IndianOil outlet spends limits maximum reward earning potential.

Reward points for groceries and utility bills are also capped at a low 100 Fuel Points per month.

High foreign currency markup of 3.5% makes international transactions expensive for cardholders.

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

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)