HPCL ENERGIE BOBCARD vs IndusInd Bank Jio-bp Mobility+ 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.
| Feature |  HPCL ENERGIE BOBCARD Credit CardBank of Baroda5 recent changes → |  IndusInd Bank Jio-bp Mobility+ Credit CardIndusInd Bank5 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 0.33% base, up to 1.67% on utility bills; 4% only at partner merchants | 0.5% base, up to 1.25% on dining; 3% only at partner merchants | |
| UPI payments (scan and pay) | 0.33% | 0.5% | |
| Online shopping | 0.33% | 0.5% | |
| Dining and food delivery | 0.33% | 1.25% | |
| Groceries | 0.33%; 1.67% only at Departmental stores only | 1.25% | |
| Travel: flights, hotels, trains | 0.33% | 0.5% | |
| Fuel | 0.33%; 4% only at Eligible HPCL retail outlets on the HPCL/BOBCARD merchant | Earns nothing; 3% only at Jio-bp | |
| Bills and recharges | 1.67% | Earns nothing | |
| Rentsame | Earns nothing | Earns nothing | |
| Insurance premiumssame | Earns nothing | Earns nothing | |
| School and college fees | Earns nothing | 0.5% | |
| Wallet top-ups | Earns nothing | 0.5% | |
| Taxes and government paymentssame | Earns nothing | Earns nothing | |
| Spend abroad or in a foreign currency | 0.33% | 0.5% | |
| Everything else | 0.33% | 0.5% | |
| Card identity | |||
| Card typesame | Fuel | Fuel | |
| Networksame | RuPay | RuPay | |
| Card tiersame | Mid | Mid | |
| Fees | |||
| Joining feesame | ₹499 + GST | ₹499 + GST | |
| Annual fee | ₹499 + GST | Free | |
| Fee waived at | ₹50,000 | - | |
| Eligibility | |||
| Min age | 21 years | - | |
| Max age | 60 years | - | |
| Employment typesame | BOTH | BOTH | |
| Min monthly salary | ₹30,000 | - | |
| Rewards | |||
| Reward typesame | Reward points | Reward points | |
| Point valuesame | ₹0 | ₹0 | |
| Fuel surcharge | |||
| Fuel surcharge waiversame | Yes | Yes | |
| Fuel waiver cap | ₹100 | - | |
| Lounge access | |||
| Domestic lounge visits | 4 | - | |
| International lounge visits | 0 | - | |
| Lounge condition | Spend Rs 20,000 in the previous quarter for domestic lounge access | - | |
| Forex and international | |||
| Forex markupsame | 3.5% | 3.5% | |
| UPI rewards | |||
| Works on UPIsame | Yes | Yes | |
| Interest and charges | |||
| Interest rate (monthly) | 3.75% | 3.95% | |
| Interest rate (annual) | 45% | 47.4% | |
| Page content | |||
| Documents needed | PAN card Aadhaar / valid address proof Latest 2 months bank statement reflecting salary credit (salaried) or ITR (self-employed) Recent passport-size photograph | PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph | |
| Apply | Apply Now | Apply Now | |
Worth in Rupees at ₹20,000 a Month
- Rewards a year
- ₹1,608
- Fee a year
- ₹0
- You keep
- ₹1,608
- Rewards a year
- ₹1,656
- Fee a year
- ₹0
- You keep
- ₹1,656
At this spend, IndusInd Bank Jio-bp Mobility+ Credit Card comes out ₹48 a year ahead of HPCL ENERGIE BOBCARD 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
- 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
- Fuel only at Jio-bp: 3% back, up to ₹300 a month
- Dining: 1.25% back
- Anyone who wants no annual fee, ever
Watch-Outs
- 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
- Skip it if most of your spending is fuel, utility bills, rent or insurance: those earn nothing on this card
- Skip it if you rarely spend on Jio-bp: the 3% rate applies only there, everything else earns 0.5%
- Skip it if you often pay in foreign currency: 3.5% is added to every foreign spend
- Skip it if you sometimes pay only the minimum due: interest of 3.95% a month (47.4% a year) outweighs any reward
Card data sourced via CardAdvisor.in (HPCL ENERGIE BOBCARD Credit Card, IndusInd Bank Jio-bp Mobility+ 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 IndusInd Bank Jio-bp Mobility+ Credit Card?
IndusInd Bank Jio-bp Mobility+ Credit Card. IndusInd Bank Jio-bp Mobility+ Credit Card: no annual fee; HPCL ENERGIE BOBCARD Credit Card: ₹499. 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%; IndusInd Bank Jio-bp Mobility+ 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: IndusInd Bank Jio-bp Mobility+ Credit Card 0.5%, HPCL ENERGIE BOBCARD Credit Card 0.33%. 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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