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SBI BPCL vs HPCL ENERGIE BOBCARD 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.

SBI BPCL Credit Card versus HPCL ENERGIE BOBCARD Credit Card compared
FeatureSBI BPCL Credit CardSBI BPCL Credit CardState Bank of India3 recent changes →
HPCL ENERGIE BOBCARD Credit CardHPCL ENERGIE BOBCARD Credit CardBank of Baroda5 recent changes →
Rewards by spend
Rewards0.25% base, up to 1.25% on dining; 3.25% only at partner merchants0.33% base, up to 1.67% on utility bills; 4% only at partner merchants
UPI payments (scan and pay)Earns nothing0.33%
Online shopping0.25%0.33%
Dining and food delivery1.25%0.33%
Groceries1.25%0.33%; 1.67% only at Departmental stores only
Travel: flights, hotels, trains0.25%0.33%
FuelEarns nothing; 3.25% only at Bharat Petroleum0.33%; 4% only at Eligible HPCL retail outlets on the HPCL/BOBCARD merchant
Bills and recharges0.25%1.67%
RentsameEarns nothingEarns nothing
Insurance premiums0.25%Earns nothing
School and college fees0.25%Earns nothing
Wallet top-upssameEarns nothingEarns nothing
Taxes and government paymentsNot statedEarns nothing
Spend abroad or in a foreign currency0.25%0.33%
Everything else0.25%0.33%
Card identity
Card typesameFuelFuel
NetworkVisaRuPay
Card tiersameMidMid
Fees
Joining feesame₹499 + GST₹499 + GST
Annual feesame₹499 + GST₹499 + GST
Fee waived at₹1,00,000₹50,000
Eligibility
Min age-21 years
Max age-60 years
Employment typesameBOTHBOTH
Min monthly salary-₹30,000
Rewards
Reward typesameReward pointsReward points
Point valuesame₹0₹0
Fuel surcharge
Fuel surcharge waiversameYesYes
Fuel waiver capsame₹100₹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 markupsame3.5%3.5%
UPI rewards
Works on UPINoYes
Interest and charges
Interest rate (monthly)-3.75%
Interest rate (annual)-45%
Page content
Documents neededPAN card Aadhaar / address proof Income proof (salary slips or ITR) Recent passport-size photographPAN 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

SBI BPCL Credit Card
Rewards a year
₹1,212
Fee a year
₹0
You keep
₹1,212
HPCL ENERGIE BOBCARD Credit Card
Rewards a year
₹1,608
Fee a year
₹0
You keep
₹1,608

At this spend, HPCL ENERGIE BOBCARD Credit Card comes out ₹396 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

SBI BPCL Credit Card
  • Daily commuters who fuel at BPCL
  • First-time card users
  • People wanting a low-fee fuel card
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

Watch-Outs

SBI BPCL Credit Card
  • Only about 0.25% on regular spends
  • Monthly caps on fuel points
  • No lounge access
  • 3.5% forex fee
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

Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

Questions People Ask

Which has the lower annual fee, SBI BPCL Credit Card or HPCL ENERGIE BOBCARD Credit Card?

They charge the same annual fee. SBI BPCL Credit Card: ₹499; HPCL ENERGIE BOBCARD Credit Card: ₹499.

Which is better for spending abroad?

SBI BPCL Credit Card has the lowest forex markup. SBI BPCL Credit Card: 3.5%; HPCL ENERGIE BOBCARD 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%, 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.

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