A head-to-head comparison of BPCL SBI Card and IndianOil HDFC Card across fees, rewards, and spending categories to help you decide which card suits your wallet better.
Two-Wheeler Owners
City Drivers
| Feature | BPCL SBI | IndianOil HDFC |
|---|---|---|
| Annual Fee | ₹499 (Waived on ₹1L spend — increased from ₹50K effective May 2026) | ₹500 (Waived on ₹50K spend) |
| Reward Rate | 4.25% Value Back | 5 FP per ₹150 (~2.5% on IndianOil fuel, ~3.5% with surcharge waiver) |
| Best For | Two-Wheeler Owners | City Drivers |
| First-Card Friendly | ||
| Lounge Access | ||
| Zero Forex Markup |
Which categories does each card reward?
| Category | BPCL SBI | IndianOil HDFC |
|---|---|---|
| Groceries | ||
| Fuel | ||
| Utility bills | ||
| Fuel surcharge waiver |