IndianOil HDFC Bank 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 / Rs 100 spent; Grocery spends: 5 Fuel Points / Rs 100 spent; Utility & Bill Payments: 5 Fuel Points / Rs 100 spent
BPCL SBI Card
Rs 499Annual fee
Rs 50,000Fee waiver spend
0Domestic lounge
3.5%Forex markup
Best for
fuel, bpcl, grocery, dining, low fee
Top rewards
Fuel spends at BPCL petrol pumps: 13 Reward Points / Rs 100 spent; Grocery, departmental stores, movies, and dining spends: 5 Reward Points / Rs 100 spent; Other eligible spends: 1 Reward Point / Rs 100 spent
| Feature | IndianOil HDFC Bank Credit Card | BPCL SBI 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 | reward points |
| Best for | fuel, groceries, bill payments | fuel, bpcl, grocery, dining, low fee |
| Top reward categories | Fuel spends at IndianOil outlets: 5 Fuel Points / Rs 100 spent; Grocery spends: 5 Fuel Points / Rs 100 spent; Utility & Bill Payments: 5 Fuel Points / Rs 100 spent | Fuel spends at BPCL petrol pumps: 13 Reward Points / Rs 100 spent; Grocery, departmental stores, movies, and dining spends: 5 Reward Points / Rs 100 spent; Other eligible spends: 1 Reward Point / Rs 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 Rs 0.2 per point | Statement credit: upto Rs 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 |