IndianOil Credit Card
Rs 500Annual fee
Rs 50,000Fee waiver spend
0Domestic lounge
3.5%Forex markup
Best for
Fuel, Groceries, Bill Payments
Top rewards
Fuel Spends At IndianOil Outlets: 5 Fuel Points / ₹100 spent; Grocery Spends: 5 Fuel Points / ₹100 spent; Utility & Bill Payments: 5 Fuel Points / ₹100 spent
BPCL Credit Card
Rs 499Annual fee
Rs 50,000Fee waiver spend
0Domestic lounge
3.5%Forex markup
Best for
Cashback, Fuel, BPCL, Grocery, Dining, Low Fee
Top rewards
Fuel Spends At BPCL Petrol Pumps: 13 Reward Points / ₹100 spent; Grocery, Departmental Stores, Movies, And Dining Spends: 5 Reward Points / ₹100 spent; Other Eligible Spends: 1 Reward Point / ₹100 spent
| Feature | IndianOil Credit Card | BPCL Credit Card |
|---|---|---|
| Issuer | HDFC Bank | SBI Card |
| Network | Visa, RuPay | Visa, RuPay |
| Joining fee | Rs 500 | Rs 499 |
| Annual fee | Rs 500 | Rs 499 |
| Fee waiver spend | Rs 50,000 | Rs 50,000 |
| Reward type | Fuel Points | Cashback And Reward Points |
| Best for | Fuel, Groceries, Bill Payments | Cashback, Fuel, BPCL, Grocery, Dining, Low Fee |
| Top reward categories | Fuel Spends At IndianOil Outlets: 5 Fuel Points / ₹100 spent; Grocery Spends: 5 Fuel Points / ₹100 spent; Utility & Bill Payments: 5 Fuel Points / ₹100 spent | Fuel Spends At BPCL Petrol Pumps: 13 Reward Points / ₹100 spent; Grocery, Departmental Stores, Movies, And Dining Spends: 5 Reward Points / ₹100 spent; Other Eligible Spends: 1 Reward Point / ₹100 spent |
| SmartBuy / accelerated caps | Not Listed | Not Listed |
| Domestic lounge | 0 | 0 |
| International lounge | 0 | 0 |
| Forex markup | 3.5% | 3.5% |
| Milestone benefits | Not Listed | Not Listed |
| Redemption | Statement credit: upto ₹ 0.2 per point | Statement credit: upto ₹ 0.25 per point |
| Key exclusions | fuel transactions at non-IndianOil petrol pumps, wallet loading, returned purchases, disputed or fraudulent transactions, EMI transactions, account fees and payments | cash withdrawal, balance transfer, fuel spends outside eligible BPCL reward construct, transactions excluded under BPCL SBI Card terms |