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.
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.