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HPCL ENERGIE BOBCARD Credit Card VS IndianOil RBL Bank XTRA 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 RBL Bank XTRA Credit Card
IndianOil RBL Bank XTRA Credit Card

Fees & Charges

Joining Fee
₹499 + GST
₹1,500 + GST
Renewal Fee
₹499 + GST
₹1,500 + GST
Spend Based Waiver
Renewal fee waived on annual spends of ₹50,000 or more in the preceding anniversary year.
Annual Fee Waiver on Spends of ₹2.75 Lakh.
Foreign Transaction Fees
3.5% on all foreign transactions.
3.5%
Interest Rate (APR)
3.75% per month (45% annually) on outstanding amounts.
2.5% to 3.99% Per Month

Rewards & Benefits

Welcome Bonus
Receive 500 joining bonus reward points upon spending ₹5,000 or more within 60 days.
Get 3,000 Fuel Points (worth ₹1,500) on spending ₹500+ 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 15 Fuel Points for every ₹100 spent at IndianOil fuel stations (7.5% reward rate).
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
Nil
₹99 + GST

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).
Not applicable
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
Not applicable
Golf Benefits
Not Applicable
Not applicable
Fuel Surcharge Waiver
1% fuel surcharge is levied at all fuel stations in India.
1% Fuel Surcharge Waiver up to ₹200 Each Month.

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 the Cash Amount or a Minimum of ₹500.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

HPCL ENERGIE BOBCARD Credit Card

IndianOil RBL Bank XTRA 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 RBL Bank XTRA Credit Card is a specialized fuel card offering substantial savings at IndianOil outlets. It provides a high reward rate of 7.5% (15 Fuel Points per ₹100 spent) and, with the fuel surcharge waiver, delivers an 8.5% value back. Ideal for frequent fuel purchasers, this card can help save significantly on annual fuel expenses, potentially earning points equivalent to 250 liters of free petrol.

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.

High 7.5% reward rate on fuel purchases at IndianOil stations, leading in its segment.

Substantial annual fuel savings, equivalent to 250 liters of free petrol annually.

Welcome benefits worth ₹1,500 effectively offset the joining fee for new cardholders.

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.

Limited diversified benefits, lacking lounge access, dining, or broad accelerated rewards.

Requires ₹13,400 monthly fuel spend to maximize the 2,000 monthly Fuel Points cap.

Reports of redemption issues for Fuel Points at some IndianOil outlets due to lack of support.

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.