CREDONOMICSInvestment Solutions Back to toolsEnter your fuel spend once. CredoNomics ranks major IndianOil, BPCL and HPCL credit cards by estimated annual net savings after reward caps, surcharge waivers and annual fees.
15 Fuel Points/₹100; 1 Fuel Point = ₹0.50. Fuel-point cap 2,000/month. Fee used is ₹1,500 before GST.
Up to 6.5% at HPCL when 5% card rewards are combined with up to 1.5% HP Pay Happy Coins. No fuel-surcharge waiver.
25X rewards on BPCL fuel equals 6.25% reward value plus 1% surcharge waiver. Reward cap modeled from 2,500 RP/cycle.
Official BOBCARD positioning: up to 5% fuel savings at HPCL (4% rewards + 1% surcharge waiver).
Up to 5% at HPCL when card rewards are combined with HP Pay Happy Coins. No fuel-surcharge waiver.
24 RP/₹150 at IndianOil; 1 RP modeled at ₹0.25 for reward redemption. Reward cap 1,200 RP/cycle.
5% Fuel Points modeled at ₹0.96/FP when converted to XTRAREWARDS. Post-first-6-month fuel cap: 150 FP/month.
4% value back on up to ₹5,000 eligible IOCL fuel spend/month, plus 1% surcharge waiver capped at ₹50/cycle.
Major co-branded fuel cards from the three large public-sector fuel networks.
Annual fee GST is deducted unless your entered annual spend meets the issuer waiver threshold.
Card terms are sourced from official issuer pages and should be re-verified when banks revise benefits.