Compare BPCL SBI Card vs HDFC Bank H.O.G Diners Club Credit Card

Reward Points will be credited after 20 days of the payment of joining fee and the same can be redeemed instantly against fuel purchase at BPCL outlets, BPCL Vouchers or at Shop n Smile rewards catalogue
4.25% Value-back ~ 13X Reward Points on fuel purchases at BPCL petrol pumps. Maximum 1300 Reward Points per billing cycle
3.25% + 1% Fuel surcharge waiver on every transaction up to Rs. 4,000
Avail 5X Reward Points on every Rs. 100 spent at Groceries, Departmental stores, Movies and Dining. Get up to 5000 Reward Points per month
Get 1 Reward Point for every Rs. 100 spent on non-fuel retail purchases
Flexible Instant Redemption Program at select 1200 BPCL petrol pumps
4.25 % Valueback (13X* Reward Points equivalent to 3.25% + 1% Fuel surcharge waiver on every transaction of up to Rs. 4,000), at any BPCL petrol pump across India. Maximum surcharge waiver of Rs. 100 in a month, which is equivalent to an Annual Savings of Rs. 1200. Surcharge Waiver applicable only on transactions up to Rs. 4,000/- for a max of Rs. 100 per month. Annual Savings of 70 liters of fuel
Transfer the outstanding balance of other banks’ credit cards to your BPCL SBI Card, and avail a lower rate of interest and pay back in EMIs
With Flexipay, convert your transactions in easy monthly installments. Make any purchase for Rs. 2,500 or more using your BPCL SBI Card , and log in with your username and password to sbicard.com within 30 days of purchase to convert it into Flexipay
Renewal Fee reversible if annual spends for last year ≥ Rs. 50,000

Milestone Benefit: You can select any 2 benefits amongst cult.fit Live 1 month membership or BookMyShow or TataCLiQ or Ola cab vouchers worth Rs. 500 every month on minimum spends of Rs. 80,000
Travel: Book flight tickets / hotels across 150+ airlines and choice of hotels (Domestic & International) at https://offers.smartbuy.hdfcbank.com/v1/foryou
Spend benefit at Harley-Davidson authorized dealers: Get 10X Reward Points on purchase of Harley-Davidson merchandise and services
Up to 50 days of interest free credit period from the date of purchase
Enjoy Dining Privileges by getting 2X on weekend Dining
Credit Liability Cover Rs. 9 lakh
Foreign Currency Markup: Nominal 2% on all foreign currency spends
Revolving Credit is available at a nominal interest rate
Unlimited Airport lounge access in India and worldwide for primary and add-on card members
Get 1% fuel surcharge waiver at fuel stations in India on minimum transaction of Rs. 400
Avail the option to convert big spends into EMI after purchase
Contactless payment enabled
Accidental Air Death Cover worth Rs. 2 Crore
Emergency overseas hospitalization: up to Rs. 50 lakhs
Travel Insurance Cover of up to Rs. 55,000 on baggage delay
Credit Liability cover up to Rs. 9 Lakh
Avail 5 Reward Points for every Rs. 150 retail spends
Avail up to 10X Reward Points on spends via SmartBuy and 10X Reward Points on spends done on Harley-Davidson merchandise and services at Authorized Harley-Davidson dealers
Avail amazing dining benefits with Good Food Trail program by getting up to 25% savings off on all restaurant bill payments via Swiggy Dineout that includes 20k + restaurants. Offer is inclusive of Restaurant and Swiggy Discount and is valid only on payments done Swiggy App

Pros

4.25% Value-back ~ 13X Reward Points on fuel purchases at BPCL petrol pumps. Maximum 1300 Reward Points per billing cycle
3.25% + 1% Fuel surcharge waiver on every transaction up to Rs. 4,000
Avail 5X Reward Points on every Rs. 100 spent at Groceries, Departmental stores, Movies and Dining. Get up to 5000 Reward Points per month

Cons

No golf benefits
No complimentary airport lounge access

Pros

Unlimited Airport lounge access in India and worldwide for primary and add-on card members
Book flight tickets / hotels across 150+ airlines and choice of hotels (Domestic & International) at https://offers.smartbuy.hdfcbank.com/v1/foryou
Spend benefit at Harley-Davidson authorized dealers

Cons