Compare : BOBCARD HPCL Energie Credit Card vs IndianOil RBL Bank XTRA Credit Card

500 reward points on spending Rs. 5,000 within 60 days of card issuance

3,000 Fuel Points on making the 1st card spend of min. Rs. 500 within 30 days of card issuance

24 reward points per Rs. 150 spent on fuel at HPCL retail outlets, through HP Pay app and on LPG

Additional 1.5% cashback as Payback points on every Rs. 100 spent on fuel through HP Pay app

10 reward points per Rs. 150 spent on departmental stores and utility spends

2 reward points per Rs. 150 spent on other category purchases, including all the UPI spends

1 Reward/Payback Point = Rs. 0.25

15 Fuel Points per Rs. 100 spent on IOCL fuel, up to 2,000 Fuel Points per month

2 Fuel Points per Rs. 100 spent on other categories

1 Fuel Point = Rs. 0.50 for IOCL petrol pump/fuel voucher

1 Fuel Point = Rs. 0.10 for RBL bank rewards portal

Up to 4 complimentary visits to domestic airport lounges per year, capped at 1 visit per quarter on reaching Rs. 20,000 quarterly spends

NA

Up to 6.5% savings on HPCL fuel spends

Accelerated rewards on LPG, departmental stores and utility spends

Up to Rs. 2,400 savings on movie ticket bookings via District app

Very low spend-based requirement for renewal fee waiver

Up to 4 free domestic airport lounge visits per year

Up to 8.5% savings on IOCL fuel

Decent rewards redemption ratio of 2:1

Up to 4,000 Fuel Points as milestone bonus

Easily achievable annual fee waiver condition

Monthly capping on accelerated rewards earnings

Low reward redemption ratio

Spend-based condition on lounge access benefit

No accelerated rewards on categories beyond IndianOil fuel

No complimentary lounge benefits

No benefits on other lifestyle-related spends

NA

Those who drive regularly making fuel spends a major portion of their monthly spends, prefer IOCL fuel and want to save on their fuel expenses.