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HPCL ENERGIE BOBCARD Credit Card VS IndianOil Kotak 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 Kotak 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 Kotak Credit Card costs ₹449 + GST and earns 24 RP/INR 150 on IndianOil fuel, 12 RP/INR 150 on dining/groceries, 3 RP/INR 150 on others. HPCL ENERGIE BOBCARD Credit Card also brings 4 complimentary domestic airport lounge accesses per year (1 per calendar quarter), while IndianOil Kotak Credit Card counters with receive an insurance cover worth INR 2 Lakhs for personal accidents. 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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HPCL ENERGIE BOBCARD Credit Card
HPCL ENERGIE BOBCARD Credit Card
IndianOil Kotak Credit Card
IndianOil Kotak Credit Card

Fees & Charges

Joining Fee₹499 + GST
Joining Fee₹449 + GST
Renewal Fee₹499 + GST
Renewal Fee₹449 + GST
Spend Based WaiverRenewal fee waived off on spending ₹50,000 or more in the preceding year.
Spend Based WaiverWaived on annual spend of ₹50,000 or more in the previous anniversary year.
Foreign Transaction Fees3.5% on all foreign transactions
Foreign Transaction Fees3.5%
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).

Rewards & Benefits

Welcome Bonus500 Bonus Reward Points on spending ₹5,000 or more within 60 days of card issuance.
Welcome Bonus1000 Reward Points on spending ₹500+ within 30 days of card issuance.
Rewards RateEarn 24 RP on HPCL fuel, 10 RP on groceries/departmental stores, and 2 RP on other spends for every ₹150.
Rewards Rate4% on IndianOil fuel, 2% on dining & groceries, 0.5% on other spends & UPI transactions.
Reward TypeReward Points, Cashback
Reward TypeReward Points
Reward Redemption FeeNil
Reward Redemption FeeNil

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 BenefitsReward points redeemable for travel; concierge for car rental & limousine reservations.
Movie Benefits25% discount (max ₹100) on 2 movie tickets via District App, twice a month.
Movie BenefitsConcierge for movie ticket booking; reward points redeemable for movie vouchers.
Dining Benefits
Dining Benefits2% back as Reward Points on dining spends.
Golf Benefits
Golf Benefits
Concierge services available for golf reservations.
Fuel Surcharge Waiver1% waiver on HPCL fuel transactions between ₹400-₹5,000, capped at ₹100 per cycle.
Fuel Surcharge Waiver1% waiver on IndianOil fuel spends (₹100-₹5,000), max ₹100/cycle. Not on UPI.

Security & Other

Insurance Benefits
Insurance BenefitsPersonal accident insurance cover of ₹2 Lakhs.
Cash Advance Charges2.5% of the amount or ₹500, whichever is higher.
Cash Advance Charges2.5% of amount withdrawn, min. ₹500.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

HPCL ENERGIE BOBCARD Credit Card

IndianOil Kotak 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 Kotak Credit Card is an entry-level co-branded fuel card designed for individuals who frequently refuel at IndianOil outlets and are new to credit. It offers substantial savings on fuel, accelerated reward points on grocery and dining, and a welcome bonus. With flexible redemption options including cashback and IndianOil XTRAREWARDS, along with personal accident insurance and concierge services, it provides a rewarding experience for daily travel and essential spends, making it ideal for budget-conscious users seeking fuel 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.

Significant savings on fuel at IndianOil outlets with up to 4% value back in reward points.

Accelerated reward points on daily essential spends like groceries and dining (2% value back).

Flexible reward redemption options including cashback, Kotak Rewards, and IndianOil XTRAREWARDS for fuel.

Offers a good welcome bonus of 1000 Reward Points on initial spend, covering the joining fee.

Includes valuable benefits such as ₹2 Lakhs personal accident insurance and concierge services.

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.

Reward points for fuel, dining, and groceries are subject to monthly maximum earning caps.

The card does not provide any complimentary airport or railway lounge access benefits.

Fuel surcharge waiver is not applicable on UPI transactions, limiting savings for some users.

High foreign currency markup of 3.5% makes it less ideal for international spending.

Welcome benefits are only applicable to cardholders who pay the initial joining fee.

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.
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