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HPCL ENERGIE BOBCARD vs IndianOil Axis Bank Credit Card Compared

Which credit card suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero. Data last verified: 11 October 2026.

HPCL ENERGIE BOBCARD Credit Card versus IndianOil Axis Bank Credit Card compared
FeatureHPCL ENERGIE BOBCARD Credit CardHPCL ENERGIE BOBCARD Credit CardBank of Baroda5 recent changes →
IndianOil Axis Bank Credit CardIndianOil Axis Bank Credit CardAxis Bank5 recent changes →
Rewards by spend
Rewards0.33% base, up to 1.67% on utility bills; 4% only at partner merchants0.2% base, up to 1% on online shopping; 4% only at partner merchants
UPI payments (scan and pay)0.33%Earns nothing
Online shopping0.33%1%
Dining and food delivery0.33%0.2%
Groceries0.33%; 1.67% only at Departmental stores only0.2%
Travel: flights, hotels, trains0.33%0.2%
Fuel0.33%; 4% only at Eligible HPCL retail outlets on the HPCL/BOBCARD merchant0.2%; 4% only at Indian Oil
Bills and recharges1.67%Earns nothing
RentsameEarns nothingEarns nothing
Insurance premiumssameEarns nothingEarns nothing
School and college feessameEarns nothingEarns nothing
Wallet top-upssameEarns nothingEarns nothing
Taxes and government paymentssameEarns nothingEarns nothing
Spend abroad or in a foreign currency0.33%0.2%
Everything else0.33%0.2%
Card identity
Card typesameFuelFuel
NetworkRuPayVisa
Card tierMidEntry
Fees
Joining fee₹499 + GST₹500 + GST
Annual fee₹499 + GST₹500 + GST
Fee waived at₹50,000₹3,50,000
Eligibility
Min age21 years18 years
Max age60 years70 years
Employment typeBOTH-
Min monthly salary₹30,000-
Rewards
Reward typesameReward pointsReward points
Point valuesame₹0₹0
Fuel surcharge
Fuel surcharge waiverYesNo
Fuel waiver cap₹100₹50
Lounge access
Domestic lounge visits4-
International lounge visits0-
Lounge conditionSpend Rs 20,000 in the previous quarter for domestic lounge access-
Forex and international
Forex markupsame3.5%3.5%
UPI rewards
Works on UPIYesNo
Interest and charges
Interest rate (monthly)same3.75%3.75%
Interest rate (annual)same45%45%
Page content
Documents neededPAN card Aadhaar / valid address proof Latest 2 months bank statement reflecting salary credit (salaried) or ITR (self-employed) Recent passport-size photograph-
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Worth in Rupees at ₹20,000 a Month

HPCL ENERGIE BOBCARD Credit Card
Rewards a year
₹1,608
Fee a year
₹0
You keep
₹1,608
IndianOil Axis Bank Credit Card
Rewards a year
₹960
Fee a year
- ₹590
You keep
₹370

At this spend, HPCL ENERGIE BOBCARD Credit Card comes out ₹1,238 a year ahead of IndianOil Axis Bank Credit Card. Worked out from each card's published reward rate, caps and fee, on ₹20,000 a month. Your own spend changes the answer: try the rewards calculator.

Best For

HPCL ENERGIE BOBCARD Credit Card
  • Fuel only at Eligible HPCL retail outlets on the HPCL/BOBCARD merchant: 4% back, up to ₹250 a month
  • Groceries only at Departmental stores only: 1.67% back, up to ₹250 a month
  • Spending ₹4,167 or more a month: the ₹589 fee is waived
  • Flyers: 4 airport lounge visits a year
IndianOil Axis Bank Credit Card
  • Daily commuters
  • IndianOil fuel users
  • UPI payment users

Watch-Outs

HPCL ENERGIE BOBCARD Credit Card
  • Skip it if you spend less than ₹4,167 a month (₹50,000 a year, rent and wallet loads not counted): the ₹589 fee is then charged
  • Skip it if most of your spending is rent, insurance, education or wallet top-ups: those earn nothing on this card
  • Skip it if you rarely spend on Eligible HPCL retail outlets on the HPCL/BOBCARD merchant: the 4% rate applies only there, everything else earns 0.33%
  • Skip it if you often pay in foreign currency: 3.5% is added to every foreign spend
IndianOil Axis Bank Credit Card
  • About 0.2% back on other spends
  • Fuel rewards capped monthly
  • Rs 3.5 lakh needed to waive the fee
  • No lounge access

Card data sourced via CardAdvisor.in (HPCL ENERGIE BOBCARD Credit Card, IndianOil Axis Bank Credit Card), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

Questions People Ask

Which has the lower annual fee, HPCL ENERGIE BOBCARD Credit Card or IndianOil Axis Bank Credit Card?

HPCL ENERGIE BOBCARD Credit Card. HPCL ENERGIE BOBCARD Credit Card: ₹499; IndianOil Axis Bank Credit Card: ₹500. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

HPCL ENERGIE BOBCARD Credit Card has the lowest forex markup. HPCL ENERGIE BOBCARD Credit Card: 3.5%; IndianOil Axis Bank Credit Card: 3.5%. The markup is charged on every foreign-currency transaction, before GST.

Which earns more on everyday spending?

On spends outside any bonus category: HPCL ENERGIE BOBCARD Credit Card 0.33%, IndianOil Axis Bank Credit Card 0.2%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.

Can I hold more than one of these cards?

Usually yes, if each bank approves you. Many people keep one card for everyday spending and another for a specific use such as travel. Each application is a separate credit check.

Work Out the Numbers

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