HDFC IndianOil Credit card vs BPCL SBI Card – Check Now

How does it sound if you get free fuel and earn rewards on your daily fuel transactions as well? Sounds great, right? Well, with fuel credit cards, you do receive amazing rewards, cashbacks, fuel points, and many more benefits. There are many fuel credit cards available in the market, but today in this blog, we’ll discuss the HDFC IndianOil Credit card vs the BPCL SBI Card. Both cards are co-branded and offer generous benefits for their users. If you’re confused about which one you should buy, then by the end of the blog, you surely can make a decision.

Advantages of using a fuel credit card

A fuel credit card not just helps you save on your fuel transactions, but also offers other benefits such as:

Reward points
Cashbacks
Dining benefits
Movie tickets offer
Surcharge fee waiver
Fuel points
Welcome gifts and benefits

IndianOil Credit Card vs BPCL SBI Card

Factors of Comparison	HDFC IndianOil Credit Card	BPCL SBI Card
Suitable for	Fuel	Fuel
Fees	Rs 500 plus GST	Rs 499 plus GST
Lounge Access	Not present	Not present
Welcome benefits	Get IndianOil XTRAREWARDS Program (IXRP) membership	2,000 Activation Bonus Reward Points
Main features	Get up to 50 litres of fuel for free yearly Get 5% fuel points at IndianOil pump stations Receive 5% in fuel points for paying your bills and groceries. 1% fuel surcharge exemption	Receive 13X reward points when you buy fuel at BPCL. Earn 5x reward points on groceries, movies, or dining 1 reward point for non-fuel expenses 1% fuel surcharge waiver
Other features	No liability for losing the card 50 days of interest-free period Convert small purchases into EMI	A globally accepted card Add-on card for family and friends Contactless transactions
Who should apply?	Those who are regularly traveling with their vehicle and are loyal customers of IndianOil Stations	Individuals who frequently travel with vehicles and are BPCL pump station customers

Eligibility Criteria

The basic eligibility criteria for both cards are the same:

Age should be above 21 years
Salaried or Self-employed
Stable income source
A credit score of at least 700
Minimum income varies for salaried and self-employed

Documents Required

Identification ID
Address Proof
Income Proof
A few passport-size photographs

Application Process

The application process is simpler now with FindCreditLoan. The steps are given below:

Visit the official website of ‘Findcreditloan’
Select the ‘credit card’ option
Browse through the various cards
Click on ‘Apply Now’ for your preferred card
Enter your information and upload the documents.
Recheck everything and submit the form.

You can also apply directly at the bank.

Also Read :- How to increase credit card limit - Tips & benefits .

Bottom Line

In a nutshell, both cards have their positives and negatives, but both are best in their own unique ways. One offers free fuel for a year, while the other offers high reward points and welcome benefits. Both cards have low joining and annual fees that make them accessible to everyone. If you frequently visit IndianOil stations, then go for the HDFC IndianOil Credit Card, or if you’re a regular customer of BPCL stations, then take the BPCL SBI credit card. Remember, which is better, the IndianOil Credit Card or the BPCL SBI card, depends on your needs, so think first, then apply. Also, apply through Findcreditloan for fast approval.

Frequently Asked Questions? (FAQs)

HDFC IndianOil Credit card vs BPCL SBI Card – Which is the best fuel credit card for regular travelling?

If you’re a customer of IndianOil stations, then the IndianOil card is best for regular travel. Even so, the BPCL SBI card is the best option for frequent travel if you are a devoted consumer of BPCL stations.

Can I use these cards for anything other than fuel payments?

Yes, with these fuel credit cards you make payments for groceries, retail shopping, bill payments, and much more.