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IndianOil RBL Bank Credit Card vs BPCL SBI Octane Credit Card vs ICICI Bank HPCL Super Saver Credit Card

A detailed, side-by-side look at 3 leading credit cards. Analyze the features that matter most to you and make an informed choice.

Features

IndianOil RBL Bank Credit Card
IndianOil RBL Bank Credit Card
BPCL SBI Octane Credit Card
BPCL SBI Octane Credit Card
ICICI Bank HPCL Super Saver Credit Card
ICICI Bank HPCL Super Saver Credit Card

Fees & Charges

Joining Fee
₹500 + GST
₹1,499 + GST
₹500 + GST
Renewal Fee
₹500 + GST
₹1,499 + GST
₹500 + GST
Spend Based Waiver
Annual Fee waived on spends of ₹1.75 Lakh in a year.
Renewal fee waived if annual spends for the preceding year are ₹2,00,000 or more.
Annual fee waived on spending ₹1.5 lakh or more in the preceding year.
Foreign Transaction Fees
3.5% markup on international spends.
3.5% of the transaction amount is charged as foreign currency markup.
3.5% of the transaction amount.
Interest Rate (APR)
2.5% to 3.99% Per Month on outstanding balances.
3.75% per month (equivalent to 45% per annum) on outstanding balances.
3.75% per month (45% per year) on ATM withdrawals and minimum due payments.

Rewards & Benefits

Welcome Bonus
1,000 Fuel Points
Get 6,000 bonus reward points (worth ₹1,500) on payment of the annual fees, credited within 30 days.
2,000 bonus Reward Points on fee payment & ₹5k spend + ₹100 cashback via HP Pay app on first fuel.
Rewards Rate
Earn 10 Fuel Points/₹100 on IndianOil fuel, 1 Fuel Point/₹100 on other spends.
Earn 25 RPs on ₹100 at BPCL fuel; 10 RPs on ₹100 for Dining/Movies/Grocery; 1 RP on ₹100 general.
5% savings on HPCL fuel; 20 RP/₹100 on essentials; 2 RP/₹100 on others; 6x-12x on iShop.
Reward Type
Reward Points
Reward Points
Reward Points and Cashback
Reward Redemption Fee
₹99 + GST applies for redemption of reward points.
₹99 + taxes per redemption request, waived for instant redemption at BPCL fuel stations.
₹99 + GST per redemption request.

Travel & Lifestyle

Domestic Lounge Access
Not Applicable
4 complimentary visits per calendar year to Domestic VISA lounges, limited to 1 visit per quarter.
1 complimentary access per quarter on ₹75,000 spend in preceding quarter (primary cardholder).
International Lounge Access
Not Applicable
No international lounge access benefits are provided with this card.
Travel Benefits
Not Applicable
Enjoy 4 complimentary domestic airport lounge accesses annually (1 per quarter) for convenient travel.
Complimentary domestic lounge access (spend-based); 24x7 Roadside Assistance; Concierge (RuPay).
Movie Benefits
Not Applicable
Earn 10 Reward Points on every ₹100 spent on movies, capped at 7,500 RPs per month.
25% off (up to ₹100) on movie tickets via BookMyShow & INOX, twice a month on each.
Dining Benefits
Not Applicable
Earn 10 Reward Points on every ₹100 spent on dining, capped at 7,500 RPs per month.
Dining discounts through ICICI Bank Culinary Treats Programme at partnered restaurants.
Golf Benefits
Not Applicable
No golf benefits are offered with this credit card.
Fuel Surcharge Waiver
1% fuel surcharge waiver.
1% fuel surcharge waiver up to ₹100/cycle on transactions up to ₹4,000 at BPCL.
1% fuel surcharge waiver applicable at all fuel stations across India.

Security & Other

Insurance Benefits
Not Applicable
Complimentary Fraud Liability Cover of ₹1 Lakh, valid for 3 days prior to reporting loss.
Personal Accident Insurance Cover is provided (for RuPay Variant).
Cash Advance Charges
2.5% or a Minimum of ₹500 for cash withdrawals.
2.5% of withdrawn amount, with a minimum charge of ₹500, applies to cash advances.
2.5% of cash amount, minimum of ₹500.

IndianOil RBL Bank Credit Card

BPCL SBI Octane Credit Card

ICICI Bank HPCL Super Saver Credit Card

Who is it for?

Who is it for?

Who is it for?

Pros

Key benefits and features.

Highly advantageous credit card for those who frequently purchase fuel at IndianOil stations.

Offers an excellent reward rate of 5% on fuel purchases, ensuring significant savings.

Considered one of the best co-branded credit cards for fuel purchases at IndianOil Outlets.

Affordable ₹500 fee makes it ideal for individuals seeking their first fuel credit card.

Potential annual savings of up to ₹6,000 on fuel expenditure at IndianOil outlets.

Pros

Key benefits and features.

Exceptional 7.25% value back on fuel at BPCL, making fuel expenses highly rewarding.

Provides 4 complimentary domestic airport lounge accesses annually, rare for this segment.

Accelerated rewards on dining, movies, and groceries offer significant savings on lifestyle spends.

Annual fee is easily waivable with a reasonable spend, enhancing long-term value.

Comes with a complimentary Fraud Liability Cover of ₹1 Lakh for added security.

Pros

Key benefits and features.

Exceptional savings on fuel at HPCL pumps, including cashback and surcharge waiver.

Generous reward points on everyday spends like utilities, groceries, and department stores.

Complimentary domestic airport lounge access helps enhance travel experiences.

Attractive discounts on movie tickets and dining offers via Culinary Treats Programme.

Cons

Key drawbacks and limitations.

The card does not offer a high reward rate for spending on categories other than fuel.

Limited benefits beyond fuel, making it less versatile for diverse spending needs.

A rewards redemption fee of ₹99 + GST applies, reducing the overall reward value slightly.

Cons

Key drawbacks and limitations.

A ₹99 fee is charged for most reward point redemptions, except instant fuel payments.

Fuel benefits are limited only to BPCL stations, reducing flexibility for other brands.

Reward points on Bharat Gas spends are capped at a relatively low 500 points per cycle.

High foreign currency markup of 3.5% makes international transactions less attractive.

Cons

Key drawbacks and limitations.

A redemption fee of ₹99 + GST is charged for every reward redemption request.

No international lounge access or golf benefits are provided with this card.

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

Cash advance charges are 2.5% of the amount, with a minimum fee of ₹500.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.