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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.
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Last updated: 21 July 2026

Both HPCL ENERGIE BOBCARD Credit Card and IndianOil RBL Bank XTRA 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 RBL Bank XTRA Credit Card costs ₹1,500 + GST and earns 15 Fuel Points for every ₹100 spent at IndianOil fuel stations (7.5% reward rate). HPCL ENERGIE BOBCARD Credit Card also brings 4 complimentary domestic airport lounge accesses per year (1 per calendar quarter), while IndianOil RBL Bank XTRA Credit Card counters with get 3,000 Fuel Points (worth ₹1,500) on spending ₹500+ within 30 days of card issuance. 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 RBL Bank XTRA Credit Card
IndianOil RBL Bank XTRA Credit Card

Fees & Charges

Joining Fee₹499 + GST
Joining Fee₹1,500 + GST
Renewal Fee₹499 + GST
Renewal Fee₹1,500 + GST
Spend Based WaiverRenewal fee waived off on spending ₹50,000 or more in the preceding year.
Spend Based WaiverAnnual fee waived on spends of ₹2.75 Lakh annually.
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)2.5% to 3.99% Per Month

Rewards & Benefits

Welcome Bonus500 Bonus Reward Points on spending ₹5,000 or more within 60 days of card issuance.
Welcome BonusGet 3,000 Fuel Points (worth ₹1,500) on joining fee payment & ₹500 spend in 30 days.
Rewards RateEarn 24 RP on HPCL fuel, 10 RP on groceries/departmental stores, and 2 RP on other spends for every ₹150.
Rewards Rate7.5% on fuel purchases at IndianOil outlets; 2 Fuel Points for every ₹100 on other spends.
Reward TypeReward Points, Cashback
Reward TypeReward Points
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% Fuel Surcharge Waiver up to ₹200 each month.

Security & Other

Insurance Benefits
Insurance Benefits
Cash Advance Charges2.5% of the amount or ₹500, whichever is higher.
Cash Advance Charges2.5% 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 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 RBL Bank XTRA Credit Card is a specialized fuel credit card designed for individuals seeking substantial savings on fuel expenses, particularly at IndianOil outlets. It offers an impressive 7.5% reward rate on fuel purchases, combined with a 1% fuel surcharge waiver, leading to a total savings of 8.5%. Cardholders also benefit from welcome Fuel Points and milestone rewards, making it an ideal choice for frequent fuel users who prioritize value back on their fuel spends.

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.

Offers a high return of 7.5% on fuel purchases, a competitive rate among fuel cards.

Combined with the fuel surcharge waiver, total savings reach 8.5% on fuel.

Welcome benefits provide 3,000 Fuel Points, equivalent to ₹1,500 value.

Milestone rewards offer additional Fuel Points on achieving quarterly spend targets.

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.

Lacks diverse benefits like lounge access or dining discounts, unlike other cards.

Comes with a joining fee of ₹1,500 + GST, which might deter some users.

Users have reported issues with redeeming Fuel Points at some IndianOil outlets.

Excludes many common spend categories like utilities and rentals from rewards.

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 RBL Bank XTRA Credit Card(opens in new tab)