HDFC Doctor’s Superia Credit Card vs AXIS Bank IOCL Rupay Credit Card

• Avail 3 Reward Points for every Rs. 150 you spend. Accumulate Reward Points and redeem them for air miles on more than 20 international airlines or on any major domestic airline. You can also redeem your Reward Points for exciting gifts from an exclusive rewards catalogue, at the applicable redemption rate.
• Enjoy 50% more reward points on dinner spends.
• Doctor's Superia Credit Card provides protection worth up to Rs. 20 Lakh against costs arising due to professional negligence.
• Get first year fee reversed if you spend Rs. 15,000 in first 90 days of card set-up date and renewal fee reversed if you spend Rs. 1,00,000 in a year prior to the renewal date.

• 100% cashback, up to Rs. 250, on all fuel spends within first 30 days of card issuance
• Earn up to 4% value back on fuel spends made at Indian Oil outlets (Rs. 100 = 20 Reward Points, max. 1000 Reward Points per month)
• Earn Reward Points on UPI Payments by linking the card to UPI
• 20 reward points per Rs. 100 on fuel spends on IOC Terminal
• 5 reward points per Rs. 100 spent on Online Shopping (basis MCC). Minimum transaction size eligible: Rs. 100
• 1 rewards points per Rs. 100 spent on all other spends. Maximum eligible spends 5000/month
• 1% Fuel surcharge waiver is applicable for fuel spends between Rs. 200 to Rs 5000
• Annual Fee waived off if spends more than Rs. 50000 per year
• 10% instant discount for movie ticket booked via BookMyshow website
• Enjoy up to 15% Discount on partner Restaurants via EazyDiner

Pros

• Renewal Benefit: 1000 reward points
• Any One Accident: Rs 4 Lakh & Deductible: Rs 25,000 for each & every claim
• Reward points validity: Reward points are valid only for 2 years from the date of accumulation.

Cons

• No golf/coaching sessions
• No complimentary Airport Lounge access

Pros

• 100% cashback, up to Rs. 250, on all fuel spends within first 30 days of card issuance
• Earn up to 4% value back on fuel spends made at Indian Oil outlets (Rs. 100 = 20 Reward Points, max. 1000 Reward Points per month)
• 20 reward points per Rs. 100 on fuel spends on IOC Terminal

Cons

• No International Airport Lounge access
• No Golf benefits
• No travel miles benefits