IndianOil HDFC Bank vs SBI BPCL 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 |  IndianOil HDFC Bank Credit CardHDFC Bank5 recent changes → |  SBI BPCL Credit CardState Bank of India3 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 0.64% base, up to 4.8% on groceries | 0.25% base, up to 1.25% on dining; 3.25% only at partner merchants | |
| UPI payments (scan and pay) | 0.64% | Earns nothing | |
| Online shopping | 0.64% | 0.25% | |
| Dining and food delivery | 0.64% | 1.25% | |
| Groceries | 4.8% | 1.25% | |
| Travel: flights, hotels, trains | 0.64% | 0.25% | |
| Fuel | Earns nothing; 4.8% only at Indian Oil | Earns nothing; 3.25% only at Bharat Petroleum | |
| Bills and recharges | 4.8% | 0.25% | |
| Rentsame | Earns nothing | Earns nothing | |
| Insurance premiums | Earns nothing | 0.25% | |
| School and college fees | 0.64% | 0.25% | |
| Wallet top-upssame | Earns nothing | Earns nothing | |
| Taxes and government payments | Earns nothing | Not stated | |
| Spend abroad or in a foreign currency | 0.64% | 0.25% | |
| Everything else | 0.64% | 0.25% | |
| Card identity | |||
| Card typesame | Fuel | Fuel | |
| Network | RuPay | Visa | |
| Card tier | Entry | Mid | |
| Fees | |||
| Joining fee | ₹500 + GST | ₹499 + GST | |
| Annual fee | ₹500 + GST | ₹499 + GST | |
| Fee waived at | ₹50,000 | ₹1,00,000 | |
| Eligibility | |||
| Min age | 21 years | - | |
| Max age | 60 years | - | |
| Employment type | - | BOTH | |
| Min monthly salary | ₹12,000 | - | |
| Rewards | |||
| Reward typesame | Reward points | Reward points | |
| Point value | ₹1 | ₹0 | |
| Fuel surcharge | |||
| Fuel surcharge waiversame | Yes | Yes | |
| Fuel waiver cap | ₹250 | ₹100 | |
| Forex and international | |||
| Forex markupsame | 3.5% | 3.5% | |
| UPI rewards | |||
| Works on UPI | Yes | No | |
| Interest and charges | |||
| Interest rate (monthly) | 3.75% | - | |
| Interest rate (annual) | 45% | - | |
| Page content | |||
| Documents needed | - | PAN card Aadhaar / address proof Income proof (salary slips or ITR) Recent passport-size photograph | |
| Apply | Apply Now | Apply Now | |
Worth in Rupees at ₹20,000 a Month
- Rewards a year
- ₹2,304
- Fee a year
- ₹0
- You keep
- ₹2,304
- Rewards a year
- ₹1,212
- Fee a year
- ₹0
- You keep
- ₹1,212
At this spend, IndianOil HDFC Bank Credit Card comes out ₹1,092 a year ahead of SBI BPCL 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
- People who fill up at IndianOil
- Turning grocery and bill spends into fuel
- A low-fee everyday card
- Daily commuters who fuel at BPCL
- First-time card users
- People wanting a low-fee fuel card
Watch-Outs
- Small monthly caps on the high rates
- Rewards are worth most as IndianOil fuel
- 3.5% markup on foreign spends
- Only about 0.25% on regular spends
- Monthly caps on fuel points
- No lounge access
- 3.5% forex fee
Card data sourced via CardAdvisor.in (IndianOil HDFC Bank Credit Card, SBI BPCL Credit Card), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Questions People Ask
Which has the lower annual fee, IndianOil HDFC Bank Credit Card or SBI BPCL Credit Card?
SBI BPCL Credit Card. SBI BPCL Credit Card: ₹499; IndianOil HDFC Bank Credit Card: ₹500. Check whether a spend-based waiver applies before you decide.
Which is better for spending abroad?
IndianOil HDFC Bank Credit Card has the lowest forex markup. IndianOil HDFC Bank Credit Card: 3.5%; SBI BPCL 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: IndianOil HDFC Bank Credit Card 0.64%, SBI BPCL Credit Card 0.25%. 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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Guides in Plain Words
Short reads that explain how it works before you decide.
- GuidesBest Credit Cards Under ₹1,000 a Year in India (2026)Credit cards with an annual fee of ₹1,000 or less (before GST) in 2026, ranked by the reward rate each bank states, with fee waivers.Read the guide →
Credit CardsTata Neu HDFC Credit Card: Claim Your NeuCoins from 25 November 2026From 25 November 2026, NeuCoins earned on a Tata Neu HDFC Bank credit card no longer reach your Tata Neu account by themselves. You claim them in the Tata Neu App within 12 months, or they expire. Here is what changes, how to claim, and the dates that matter.Read the guide →- GuidesBest Credit Cards Under ₹500 a Year in India (2026)Credit cards with an annual fee of ₹500 or less (before GST) in 2026, ranked by the reward rate each bank states, with fee waivers.Read the guide →
