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ICICI Bank HPCL Platinum Credit Card VS BPCL SBI 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

ICICI Bank HPCL Platinum Credit Card
ICICI Bank HPCL Platinum Credit Card
BPCL SBI Credit Card
BPCL SBI Credit Card

Fees & Charges

Joining Fee
₹199 + GST
Rs. 499 + GST
Renewal Fee
₹199 + GST
Rs. 499 + GST, from the second year onwards.
Spend Based Waiver
Renewal fee waived on spending Rs. 50,000 or more in the preceding year.
Renewal fee waived if annual spends for the preceding year are Rs. 50,000 or more.
Foreign Transaction Fees
3.50% on all foreign currency spends.
3.5% of the transaction amount.
Interest Rate (APR)
3.40% per month (or 40.8% annually).
Monthly 3.5%-3.75% (42-45% annually).

Rewards & Benefits

Welcome Bonus
Not Applicable
Get 2,000 Activation Bonus Reward Points worth Rs. 500 on payment of the joining fee.
Rewards Rate
2.5% cashback on HPCL fuel (max Rs. 100/month); 2 Reward Points per Rs. 100 on retail spends.
4.25% Valueback on fuel. 5 points per Rs. 100 on select categories & 1 point on others.
Reward Type
Reward Points & Cashback
Reward Points
Reward Redemption Fee
Rs. 99 on every reward redemption request.
Rs. 99 (plus applicable taxes) per redemption request.

Travel & Lifestyle

Domestic Lounge Access
2 spa sessions at selected Indian airports annually through Dreamfolks membership.
Not Applicable
International Lounge Access
2 complimentary airport lounge visits outside India per year via Dreamfolks membership.
Not Applicable
Travel Benefits
Complimentary Dreamfolks membership, 2 international lounge visits & 2 spa sessions annually.
Not Applicable
Movie Benefits
Rs. 100 off on movie tickets via BookMyShow, twice monthly.
Earn 5 Reward Points on every Rs. 100 spent on movie tickets (5X Reward Points).
Dining Benefits
Min. 15% savings on dining bills via ICICI Bank Culinary Treats Programme at 2,500+ restaurants.
Earn 5 Reward Points on every Rs. 100 spent on dining (5X Reward Points).
Golf Benefits
Not Applicable
Not Applicable
Fuel Surcharge Waiver
1% waiver at all HPCL pumps for transactions up to Rs. 4,000.
1% waiver up to Rs. 100 per billing cycle on transactions up to Rs. 4,000 at BPCL pumps.

Security & Other

Insurance Benefits
Not Applicable
Not Applicable
Cash Advance Charges
2.5% of transaction amount or Rs. 300, whichever is higher.
2.5% of withdrawn amount, subject to a minimum charge of Rs. 500.
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

ICICI Bank HPCL Platinum Credit Card

BPCL SBI Credit Card

Who is it for?

The ICICI Bank HPCL Platinum Credit Card is ideal for frequent fuel spenders, offering 2.5% cashback on HPCL fuel and a 1% fuel surcharge waiver. With a nominal fee of Rs. 199 (which can be waived), it also provides benefits like movie discounts, dining savings via Culinary Treats, and complimentary international lounge access through Dreamfolks membership. This card is a cost-effective choice for everyday savings across various categories.

Who is it for?

The BPCL SBI Card is an excellent entry-level credit card, co-branded with BPCL, ideal for everyday users. It offers significant value back on fuel purchases at BPCL stations, with a total of 4.25% value back, including a fuel surcharge waiver. Beyond fuel, cardholders benefit from accelerated reward points on common spending categories such as dining, groceries, departmental stores, and movies. This card provides practical savings on essential expenses with a nominal annual fee, making it a great choice for maximizing daily expenditures.

Pros

Key benefits and features.

Attractive 2.5% cashback on fuel purchases at HPCL and a 1% fuel surcharge waiver, leading to significant savings.

Nominal joining and annual fee of Rs. 199, easily waived by spending Rs. 50,000 in the preceding year.

Valuable benefits like movie discounts, dining savings through Culinary Treats, and international lounge access.

Pros

Key benefits and features.

Offers great reward points and significant value back on fuel transactions at BPCL petrol pumps across India.

The BPCL SBI Card is highly accessible due to its competitive and low joining cost of just Rs. 499.

Provides attractive rewards on various everyday spending categories like groceries, dining, and movie tickets.

Cons

Key drawbacks and limitations.

Fuel cashback is capped at only Rs. 100 per month, limiting savings for high spenders on fuel.

A redemption fee of Rs. 99 is charged on every reward redemption request, reducing overall value.

High foreign currency markup of 3.50% makes it unsuitable for frequent international transactions.

Cons

Key drawbacks and limitations.

Cardholders will not receive any complimentary domestic or international airport lounge access.

There are no specific insurance benefits or covers included as part of this credit card's offerings.

Reward points are not earned on transactions for mobile wallet uploads or fuel purchases outside BPCL stations.

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.