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BPCL SBI Card vs IndianOil HDFC Bank: Which Card Is Better?

A side-by-side comparison of BPCL SBI Card and IndianOil HDFC Bank credit cards: fees, reward rates by category, caps, forex markup, lounge access, and which one earns more for different kinds of spenders.

Verdict

IndianOil HDFC Bank earns more in 6 of the 7 spending profiles we tested. Choose BPCL SBI for budget fuel savings at bpcl pumps for a ₹499 fee. Choose IndianOil HDFC for low-cost fuel savings at indianoil pumps.

Spending profileBPCL SBIIndianOil HDFCWinner
Balanced spender₹3,390₹5,888IndianOil HDFC (+₹2,498)
Online shopper₹1,515₹4,611IndianOil HDFC (+₹3,096)
Frequent traveller₹-786₹3,307IndianOil HDFC (+₹4,093)
Family & groceries₹6,030₹6,049IndianOil HDFC (+₹19)
Foodie₹3,600₹5,771IndianOil HDFC (+₹2,171)
Daily commuter₹6,585₹5,285BPCL SBI (+₹1,300)
High spender₹3,306₹7,218IndianOil HDFC (+₹3,912)

Estimated yearly value after caps, fees (with GST) and forex costs. Try your own spends →

BPCL SBI vs IndianOil HDFC: full comparison

FeatureBPCL SBI CardIndianOil HDFC Bank
Card
BPCL SBI CardSBI Card
IndianOil HDFC BankHDFC Bank
Annual fee₹499 + GST₹500 + GST
Joining fee₹499 + GST₹500 + GST
Fee waiverWaived on ₹1,00,000 yearly spendWaived on ₹50,000 yearly spend
NetworkVisa / MastercardMastercard
Amazon rewards0.25%0.67%
Flipkart rewards0.25%0.67%
Other online shopping rewards0.25%0.67%
Food delivery rewards0.25%0.67%
Dining out rewards1.25%0.67%
Groceries rewards1.25%5%
Flights & hotels rewards0.25%0.67%
Fuel rewards4.25%5%
Bills & recharges rewards0.25%5%
Everything else rewards0.25%0.67%
Forex markup3.5%3.5%
Lounge accessNoneNone
Reward caps13X fuel points capped at 1,300 a month; surcharge waiver on BPCL fuel up to ₹4,000 per transaction, max ₹100 a month
5X points capped at 5,000 a month		5% fuel points at IndianOil capped at 250 a month for 6 months, then 150
5% on groceries capped at 100 fuel points a month
5% on bill payments capped at 100 fuel points a month
Est. yearly value: balanced spender₹3,390₹5,888
Est. yearly value: online shopper₹1,515₹4,611
Est. yearly value: frequent traveller₹-786₹3,307
Est. yearly value: family & groceries₹6,030₹6,049
Best forBudget fuel savings at BPCL pumps for a ₹499 feeLow-cost fuel savings at IndianOil pumps
Pros
  • 4.25% value back on fuel at BPCL pumps
  • 5X reward points on groceries, department stores, movies and dining
  • 2,000 bonus points on paying the joining fee
  • Renewal fee reversed on ₹1 lakh yearly spend
  • 5% back as Fuel Points at IndianOil pumps
  • 5% on groceries and bill payments
  • Fee waived at just ₹50,000 yearly spend
Cons
  • Fuel rewards only at BPCL
  • Low 0.25% value on other spends
  • Monthly caps on fuel points
  • Low monthly caps on Fuel Points
  • Fuel Points only useful at IndianOil
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FAQs

Which is better, BPCL SBI or IndianOil HDFC?

IndianOil HDFC Bank comes out ahead in 6 of 7 spending profiles we tested. Choose BPCL SBI Card if you want a card for budget fuel savings at bpcl pumps for a ₹499 fee. Choose IndianOil HDFC Bank if you want a card for low-cost fuel savings at indianoil pumps.

What is the difference in annual fee between BPCL SBI and IndianOil HDFC?

BPCL SBI Card: ₹499 + GST (waived on ₹1,00,000 yearly spend). IndianOil HDFC Bank: ₹500 + GST (waived on ₹50,000 yearly spend).

Which card has a lower forex markup?

Both cards charge 3.5%.

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