Kotak 811 #DreamDifferent Credit Card VS HPCL ENERGIE BOBCARD Credit Card VS ICICI Bank Platinum Chip Credit Card VS ICICI Bank HPCL Super Saver Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
Kotak 811 #DreamDifferent Credit Card
HPCL ENERGIE BOBCARD Credit Card
ICICI Bank Platinum Chip Credit Card
ICICI Bank HPCL Super Saver Credit Card
Who is it for?
Who is it for?
Who is it for?
Who is it for?
Pros
Key benefits and features.
Excellent entry-level secured credit card with no joining or renewal fees.
Builds credit score easily, suitable for those without a stable income.
Earn accelerated rewards of 4X points on all your online purchases.
Benefit from valuable waivers on both fuel and railway surcharges annually.
Offers up to 48 days of interest-free cash withdrawals.
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.
Enjoy the freedom of a credit card with absolutely no joining or annual fees.
Benefit from earning reward points on a wide range of retail and utility spends.
Access exclusive dining discounts up to 15% via the Culinary Treats Programme.
Get a valuable 1% fuel surcharge waiver on transactions at HPCL petrol pumps.
Enhanced transaction security with embedded microchip and PIN verification for purchases.
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.
Foreign currency markup of 3.5% applies to all international transactions.
Cash advance charges can be significant for ATM withdrawals and transfers.
Requires a minimum Fixed Deposit of Rs. 10,000 to be eligible for the card.
No reward points are earned on cash withdrawals, fuel, or railway transactions.
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.
A redemption fee of ₹99 + GST is charged for each reward point redemption request.
A significant 3.5% foreign currency markup applies to all international transactions.
High interest rates of 3.75% per month are applicable on overdue amounts.
The Platinum Chip Credit Card does not offer any specific welcome benefits.
Cash advance transactions incur charges which are quite substantial.
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.