HPCL Energie RuPay BOBCARD Vs. ICICI HPCL Super Saver RuPay Credit Card
HPCL Energie RuPay BOBCARD
ICICI HPCL Super Saver RuPay Credit Card
Comparison of HPCL Energie RuPay BOBCARD and ICICI HPCL Super Saver RuPay Credit Card
Feature
HPCL Energie RuPay BOBCARD
ICICI HPCL Super Saver RuPay Credit Card
Annual Fee
₹499 + GST
₹500 + GST
Joining Fee
₹499 + GST
₹500 + GST
Welcome Benefits
A welcome bonus of 500 Reward Points is credited to the cardholder's account upon spending ₹5,000 or more within the initial 60 days of the card issuance date.
N/A
Interest Rate (APR)
N/A
N/A
Foreign Currency Markup
N/A
N/A
Key Highlights
•Fuel Value-Back
•Accelerated Rewards
•Travel Comfort
•Annual Fee Waiver
•Entertainment Benefit
•Fuel Savings
•Everyday Cashback
•Welcome Benefits
•Lounge Access
•Roadside Assistance
Dos
Utilise the card at HPCL outlets and for utility bills to maximise accelerated rewards.
Make use of the Smart EMI facility to convert large, unforeseen expenses into manageable instalments.
Keep track of the annual spend to ensure the ₹50,000 waiver threshold is reached.
Use the card exclusively at HPCL outlets to earn the 5% fuel savings benefit
Link the card to the HP Pay app and load wallet balance for enhanced 1.5% reward points
Pay utility bills through the card to earn 5% cashback, up to the ₹100 monthly limit
Book movie tickets through BookMyShow and INOX twice monthly to maximise entertainment discounts
Spend strategically to reach ₹1,50,000 annually and get the annual fee waived
Don'ts
Ignore the quarterly spend requirement if lounge access is a priority.
Use the card for HP Pay wallet loading, as these transactions are ineligible for reward points.
Miss the payment due date, as this will incur high finance charges and late payment fees.
Avoid using the card at non-HPCL fuel stations as cashback won't apply
Do not exceed monthly fuel spending of ₹5,000 at HPCL, as the ₹200 cashback cap limits further rewards
Ignore monthly spending caps on utilities and departmental stores (₹100 limit)
Rely on this card for international travel due to limited RuPay acceptance abroad
Make cash withdrawals as they attract 2.50% fees and immediate interest charges
