Skip to main content

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.

Features

HPCL ENERGIE BOBCARD Credit Card
HPCL ENERGIE BOBCARD Credit Card
IndianOil Kotak Credit Card
IndianOil Kotak Credit Card

Fees & Charges

Joining Fee
₹499 + GST
₹449 + GST
Renewal Fee
₹499 + GST
₹449 + GST
Spend Based Waiver
Renewal fee waived on annual spends of ₹50,000 or more in the preceding anniversary year.
Annual fee of ₹449 waived on spending ₹50,000 or more in the previous anniversary year.
Foreign Transaction Fees
3.5% on all foreign transactions.
3.5%
Interest Rate (APR)
3.75% per month (45% annually) on outstanding amounts.
3.75% per month (Annualized @ 45%), effective from 1st June 2025.

Rewards & Benefits

Welcome Bonus
Receive 500 joining bonus reward points upon spending ₹5,000 or more within 60 days.
1000 Reward Points on spending INR 500 or more 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 24 RP/INR 150 on IndianOil fuel, 12 RP/INR 150 on dining/groceries, 3 RP/INR 150 on others.
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
Nil
Nil

Travel & Lifestyle

Domestic Lounge Access
4 complimentary domestic airport lounge accesses per year (1 per calendar quarter).
Not Applicable
International Lounge Access
Not Applicable
Not Applicable
Travel Benefits
4 complimentary domestic airport lounge accesses per year (1 per calendar quarter).
Concierge services for car rental, limousine, travel booking assistance (Rupay variant only).
Movie Benefits
Get 25% off up to ₹100 on minimum 2 tickets per transaction at partner platforms, twice a month.
Movie vouchers available for redemption through the Kotak Rewards portal.
Dining Benefits
Not Applicable
Earn 2% back as Reward Points on dining spends, capped at 800 RP per cycle.
Golf Benefits
Not Applicable
Concierge services include golf reservations for Rupay variant cardholders.
Fuel Surcharge Waiver
1% fuel surcharge is levied at all fuel stations in India.
1% waiver on IndianOil fuel transactions between ₹100-₹5000, max ₹100 per statement cycle.

Security & Other

Insurance Benefits
Not Applicable
Receive an insurance cover worth INR 2 Lakhs for personal accidents.
Cash Advance Charges
2.5% of the cash advance amount or ₹500, whichever is higher.
2.5% on the advance amount, subject to a minimum of ₹500, effective from 1st June 2025.
Apply Now(opens in new tab)
Apply Now(opens in new tab)
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 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 Kotak Credit Card is a co-branded fuel credit card offering significant savings on IndianOil fuel, with up to 5% value back. It provides accelerated rewards on dining and groceries, a welcome bonus of 1000 Reward Points, and a 1% fuel surcharge waiver. Ideal for frequent travelers and new credit users, the card also includes personal accident insurance and flexible redemption options.

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.

Significant savings potential on IndianOil fuel purchases with a 5% value back.

Accelerated rewards on essential spends like dining and groceries enhance daily value.

Valuable welcome benefit of 1000 reward points on initial spend within 30 days.

Complimentary personal accident insurance cover of ₹2 Lakhs provides added security.

Annual fee waiver easily achievable by spending ₹50,000 yearly.

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.

Monthly capping limits on reward points for fuel, dining, and grocery spends restrict maximum earnings.

Cashback redemption requires a minimum of 2000 points, potentially delaying benefits.

Higher foreign currency markup of 3.5% makes international spends less rewarding.

Various new fees on wallet, education, and utility effective from June 2025.

No complimentary domestic or international airport lounge access included with the card.

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.