With fuel prices constantly increasing, saving on every refill has become more important than ever. If you regularly visit HPCL petrol pumps, using an HPCL co-branded credit card can help you reduce your fuel expenses while earning rewards on your everyday purchases. Among the popular options available, the HPCL ENERGIE BOBCARD and the ICICI Bank HPCL Super Saver Credit Card are two cards that stand out.
Both cards are for people who frequently refuel at HPCL outlets and offer benefits such as fuel savings, reward points, and discounts on other categories like groceries, dining, and utility bill payments. However, despite being co-branded with HPCL, the features, rewards, annual fees, and overall value offered by these two cards are quite different. So, if you’re confused about which one deserves a place in your wallet, this detailed comparison will help you understand the key differences and choose the card that best matches your spending habits and lifestyle.
Fee Structure and Welcome Benefits – Which Card Offers More Value?
Before looking at the rewards and fuel savings, it is important to compare what you pay to get these cards and what you receive in return. After all, a good welcome offer can make the joining fee feel worthwhile. Both the HPCL ENERGIE BOBCARD and the ICICI Bank HPCL Super Saver Credit Card come with almost the same fee, but their welcome benefits are quite different.
The HPCL ENERGIE BOBCARD charges a joining fee of ₹499 + GST and a renewal fee of ₹499 + GST. However, you get 500 bonus reward points as a welcome benefit after spending ₹5,000 within the first 60 days of card issuance.
On the other hand, the ICICI Bank HPCL Super Saver Credit Card has a joining and annual fee of ₹500 + GST. Its welcome offer is slightly more rewarding, as it gives 2,000 bonus reward points when you spend ₹5,000 within 45 days of card issuance. In addition, you also get ₹100 cashback on your first fuel purchase of ₹1,000 or more made through the HP Pay app, adding extra value right from the beginning.
Both cards have an affordable fee structure, but the ICICI Bank HPCL Super Saver Credit Card offers a stronger welcome benefit by combining bonus reward points with an additional cashback benefit.
| Feature | HPCL ENERGIE BOBCARD | ICICI Bank HPCL Super Saver Credit Card |
| Joining Fee/Annual Fee | ₹499 + GST | ₹500 + GST |
| Welcome Benefit | 500 Bonus Reward Points | 2,000 Bonus Reward Points and ₹100 Fuel Cashback Via HP Pay |
| Eligibility for Welcome Benefit | Spend ₹5,000 within 60 Days of Card Issuance | Spend ₹5,000 within 45 Days of Card Issuance |
| Additional Welcome Perk | N/A | ₹100 Cashback on the First Fuel Transaction of ₹1,000 or More Through HP Pay |
How Much Can You Earn with Each Card?
The reward rate is one of the most important things to look at while choosing a credit card because it tells you how much you actually save when you spend. Both the HPCL ENERGIE BOBCARD and the ICICI Bank HPCL Super Saver Credit Card give rewards on fuel and daily shopping, but the way you earn and the maximum benefit you can get each month is quite different.
The HPCL ENERGIE BOBCARD gives 24 reward points on every ₹150 spent on fuel at HPCL petrol pumps. This comes out to about 4% value back on fuel. But the total fuel reward you can earn is limited to 1,000 reward points per month, which is equal to ₹250. On groceries and departmental stores, you earn 10 reward points for every ₹150 spent, which is again capped at 1,000 reward points (₹250) per month. For all other spending, you get 2 reward points for every ₹150, which is a small return of around. You also get an extra 1.5% cashback through HP Pay when you pay for fuel at HPCL pumps using the app, which increases your savings a bit more.
The ICICI Bank HPCL Super Saver Credit Card gives 4% cashback on fuel purchases at HPCL stations, and you can earn up to ₹200 cashback every month. This means you get the full benefit if your monthly fuel spending is up to ₹5,000. On groceries and utility bills, you get 5% cashback in the form of reward points. You earn 20 reward points for every ₹100 spent, and you can get up to 400 reward points per month in each category, which equals ₹100 value per category. For all other spending, you earn 2 reward points for every ₹100, which is about 0.5% value back.
The HPCL ENERGIE BOBCARD is better if your main focus is fuel, and you also use HP Pay for extra cashback. But the ICICI Bank HPCL Super Saver Credit Card is easier to understand and gives more balanced benefits on fuel, groceries, and bills, with clear monthly cashback limits.
| Feature | HPCL ENERGIE BOBCARD | ICICI Bank HPCL Super Saver Credit Card |
| Fuel Rewards | 24 Reward Points Per ₹150 | 4% Cashback on Fuel Purchases |
| Fuel Monthly Cap | 1,000 Reward Points (₹250 Per Month) | ₹200 Cashback Per Month (on Up to ₹5,000 Spend) |
| Grocery & Departmental Stores | 10 Reward Points Per ₹150 | 5% Cashback Via Reward Points |
| Grocery/Utility Monthly Cap | 1,000 Reward Points (₹250 Per Month) | 400 Reward Points Per Category |
| Other Spending | 2 Reward Points Per ₹150 | 2 Reward Points Per ₹100 |
| Extra Benefit | 1.5% Extra Cashback Via HP Pay on Fuel | N/A |
Airport Lounge Access: A Side-by-Side Comparison
Airport lounge access is one of those perks that can quietly add a lot of value if you travel even a few times a year. Both the HPCL ENERGIE BOBCARD and the ICICI Bank HPCL Super Saver Credit Card offer this benefit, but the conditions to unlock it are very different, which makes a big difference in real usage.
The HPCL ENERGIE BOBCARD gives 1 complimentary domestic airport lounge access every quarter, but you need to spend at least ₹20,000 in the previous quarter to qualify.
On the other hand, the ICICI Bank HPCL Super Saver Credit Card also offers 1 complimentary lounge access per quarter, but the spending requirement is much higher at ₹75,000 in the previous quarter. This means you need to use the card quite actively across different categories to enjoy the same lounge benefit.
Both cards give the same number of lounge visits, but the HPCL ENERGIE BOBCARD makes it much easier to earn them. The ICICI card, however, sets a higher spending bar, which may suit only heavy spenders.
| Feature | HPCL ENERGIE BOBCARD | ICICI Bank HPCL Super Saver Credit Card |
| Lounge Access Benefit | 1 Complimentary Domestic Airport Lounge Access Per Quarter | 1 Complimentary Domestic Airport Lounge Access Per Quarter |
| Spending Requirement | Spend ₹20,000 in the Previous Quarter | Spend ₹75,000 in the Previous Quarter |
Spend-Based Waiver Comparison
A spend-based waiver is an important factor because it decides whether you actually end up paying the annual fee or not. Both the HPCL ENERGIE BOBCARD and the ICICI Bank HPCL Super Saver Credit Card offer fee waivers, but the spending conditions are quite different.
The HPCL ENERGIE BOBCARD has a renewal fee of ₹499, which can be waived if you spend ₹50,000 in an anniversary year. This makes it easy for regular users, especially those who use the card for fuel and daily shopping, to avoid the yearly charge without spending much.
In comparison, the ICICI Bank HPCL Super Saver Credit Card requires a much higher spending level of around ₹1.5 lakh in a year to get the annual fee waived.
So, for everyday users, BOBCARD feels more practical, but for high spenders, the ICICI card can still justify its fee structure.
Bottom Line
To sum it up, the better choice between the two depends on how the user is going to use the card. For most regular users, the HPCL ENERGIE BOBCARD stands out as the more practical option. It is easier to manage, has a lower spend requirement to keep the card free, and even normal fuel spending is enough to unlock its benefits. The lounge access and rewards also feel more accessible without needing very high monthly expenses.
The ICICI Bank HPCL Super Saver Credit Card, on the other hand, offers good cashback, but its users have higher spending requirements across multiple categories like fuel, groceries, and utility bills. For users who do not spend heavily every month, it may feel harder to fully utilize.
So overall, the HPCL ENERGIE BOBCARD is a better option for everyday spending, while the ICICI card is better suited for high spenders who can maximize its full benefits.