IndianOil Citi Platinum Credit Card vs Paytm HDFC Bank Business Credit Card
Joining Fees
₹1,000
₹500
Editor's Rating
4
4.1
Key Features
- 4 Turbo points / Rs. 150 spent & 1% fuel surcharge reversal on fuel purchase at authorized IndianOil outlets
- 2 Turbo points / Rs. 150 spent on groceries and supermarkets & 1 Turbo point / Rs. 150 on all other spends
- Get Deals and Discounts locally and in over 90 countries
- Instant loans to get things done right away
- Save up to 20% on dining bills at participating restaurants
- First Year Fee will be waived upon spending Rs. 30,000 within the first 90 days
- Renewal Year Fee will be waived upon spending Rs. 50,000 in the 12 months period
- Activation Benefit: Avail Rs. 250 worth Gift Voucher upon card activation with 2 transactions in first 30 days
- Milestone Benefit: Avail Rs. 500 worth Gift Voucher on spends of Rs. 1 Lakh in a year (Non-EMI, Non-Wallet and Non-Rental Spends)
- 3% cashpoints on purchases on Paytm [Recharge + Utility + Movies + Mini App]
- 2% cashpoints on all other Select Paytm Spends
- 1% cashpoints on all other Retail Spends
- Utility Bill Payments: Simply register the Credit Card with SmartPay, HDFC Bank's Utility Bill payment service. Be assured all utility bills will be paid on time, conveniently and easily
- Zero cost liability: If the Card gets lost simply report it immediately to HDFC Bank’s 24-hour call centre. After reporting the loss, the cardholder will have a zero liability on any fraudulent transactions made on its card
- 1% fuel surcharge waived of on fuel transactions between transactions of Rs. 400 to Rs. 5,000
- The card is enabled for contactless payments
- Up to 20% discount on partnered restaurants via Dineout
- Quick Loan for Business: Check for term loan eligibility on the credit card for business purposes
- Avail up to 50 days of interest free credit on the Credit Card
Editor's Review
Pros
- Choose to redeem points now or later – it's a choice you have because the Turbo points will never expire
- Get 250 Turbo Points on your first spend within 30 days of card issuance
- Redeem points instantly via SMS against purchases at leading brands
Cons
- No complimentary Airport Lounge access
- Fuel points are applicable only for Indian Oil fuel stations
- No cash-back options
Pros
- Quick Loan for Business
- Up to 20% discount on partnered restaurants via Dineout
- Welcome Benefit includes getting Paytm First Membership
Cons
- No movie benefits
- No golf benefits
- No airport lounge access
