HDFC Bank Platinum Edge Credit Card vs IndianOil HDFC Bank Credit Card
Joining Fees
₹0
₹500
Editor's Rating
3.5
3.1
Key Features
- Renew the credit card’s membership for free by spending Rs 50,000 in a year
- Get 2 reward points for every Rs. 150 spends
- Redeem the points as cash back (100 points = Rs. 10) and use it to pay off outstanding balance
- Redeem the reward points for exciting gifts and air miles with the exclusive MyRewards catalogue, which is the HDFC Bank Credit Card Rewards program
- Avail 50% more reward points at premium restaurants
- Get a waiver of fuel surcharge of up to Rs. 250 in every billing cycle. Save up to Rs. 1800 a year (assuming spends of Rs. 6000 per month)
- Stay protected against unauthorized use of the card when shopping anywhere with the EMV Chip Card technology
- Zero liability on lost card after reporting the loss
- Avail up to 50 interest-free days from date of purchase
- Enjoy Revolving Credit at nominal interest rate
- 50 days of interest-free credit
- Gain up to 50 Litres of Free fuel annually
- Gain 5% of your spending as Fuel Points at IndianOil outlets (Max 250 Fuel Points per month in the first 6 months, and 150 Fuel Points per month after 6 months from card issuance)
- Get 5% Fuel Points on Groceries and Bill Payments. Each category has a maximum of 100 Fuel Points per month.
- Avail 1 Fuel Point for every Rs. 150 spent on all other purchases, including UPI transactions
- Complimentary IndianOil XTRAREWARDSTM Program (IXRP) membership
- Enjoy Revolving Credit at a nominal interest rate
- Zero Lost card liability
- Up to 50 days of interest-free period on the IndianOil HDFC Bank Credit Card from the date of purchase
- 1% fuel surcharge waiver at all fuel stations across India on minimum transaction of Rs. 400. Maximum CashBack of Rs. 250 per statement cycle
- Spend Rs. 50,000 and above in the first year and get a waiver on the renewal membership fee
- With the IndianOil HDFC Bank Credit Card, you can convert big purchases into EMI after the transaction
- IndianOil HDFC Bank Credit Card is enabled for contactless payments
- Earn Fuel Points on retail spends
- Acquire accelerated 5% Fuel Points on spends done at IndianOil outlets, Groceries and Bill payments. Please note that the benefit of accelerated 5% Fuel Points will only apply to fuel transactions made at IndianOil Retail Outlets
Editor's Review
Pros
- Get 2 reward points for every Rs. 150 spends
- Redeem the points as cash back (100 points = Rs. 10) and use it to pay off outstanding balance
- Redeem the reward points for exciting gifts and air miles with the exclusive MyRewards catalogue, which is the HDFC Bank Credit Card Rewards program
Cons
- No movie benefits
- No golf benefits
- No international and domestic lounge access
Pros
- Gain up to 50 Litres of Free fuel annually
- Gain 5% of your spending as Fuel Points at IndianOil outlets
- Acquire accelerated 5% Fuel Points on spends done at IndianOil outlets, Groceries and Bill payments
Cons
- No golf benefits are provided
- No international and domestic airport lounge access
