BOB HPCL Energy Credit Card vs ICICI Sapphiro
Detailed comparison of these two popular credit cards
BOB HPCL Energy Credit Card
Bank of Baroda
Mid-RangeVS
Winner
ICICI Sapphiro
ICICI Bank
Premium*
Different Reward Types
Card 1 gives ⛽ Fuel Points while Card 2 gives ⭐ Reward Points. We're showing effective cash values for fair comparison.
Annual Fee
₹500 vs ₹4K
Effective Rate
(cash value)
1.0% vs 0.5%
Lounge Access
None vs 4/quarter
Detailed Comparison
| Feature | BOB HPCL Energy Credit Card | ICICI Sapphiro |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹500 | ₹7K |
| Annual Fee | ₹500 | ₹4K |
| Fee Waiver | Spend ₹50K annually | Spend ₹6L annually |
| Forex Markup | - | 3.5% |
Rewards | ||
| Reward Type | ⛽Fuel Points | ⭐Reward Points |
| Effective Cash Value | 1% | 0.5% |
Lounge Access | ||
| Domestic Lounges | None | 4/quarter |
| Priority Pass | - | - |
Eligibility | ||
| Min. Income | ₹3.0L | ₹18.0L |
Our Verdict
Based on overall features and value,
ICICI Sapphiro wins!
Score: 22vsScore: 24
Related Comparisons
BOB HPCL Energy Credit Card vs HDFC Regalia Gold
HDFC Bank
BOB HPCL Energy Credit Card vs HDFC Regalia
HDFC Bank
BOB HPCL Energy Credit Card vs HDFC Millennia
HDFC Bank
BOB HPCL Energy Credit Card vs HDFC Swiggy Credit Card
HDFC Bank
BOB HPCL Energy Credit Card vs HDFC Tata Neu Infinity
HDFC Bank
BOB HPCL Energy Credit Card vs HDFC IndianOil Credit Card
HDFC Bank