IndianOil HDFC Bank Credit Card vs Axis Bank Reserve Credit Card
Joining Fees
₹500
₹30,000
Editor's Rating
3.1
3.7
Key Features
- 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
- Upon joining Axis Bank Reserve Credit Card, avail 50000 reward points on card activation and renewal
- 15 edge reward points for every Rs.200 spent
- 2X rewards on international spends
- Annual fee will be waived off on spending Rs.25 lakh in the preceding year
- Reduced markup of 1.5% on international transactions
- No cash withdrawal charges
- Fuel surcharge waiver: 1% for transactions between Rs.400 to Rs.4000 (Capped at Rs.400 per month)
- Reduced APR of 2.5% on extended credit
- Counterfeit/lost card liability up to credit limit
- Purchase protection: Rs.2 Lakhs
- Loss/Delay in baggage & Personal Documents: 500 USD
- Credit shield: Rs.5 Lakhs
- Air accident cover: Rs.450 Lakhs
- Complimentary airport concierge services: Get 8 complimentary VIP Assistance Services for a hassle-free experience. The services include assistance across airport processes, such as check-in, security check, immigration processes and porter services
- Complimentary luxury airport transfers: Get 4 complimentary chauffeured luxury airport pick-ups/drops every year
- Complimentary Priority Pass membership with unlimited visits: Cherish the benefit of unlimited complimentary international lounge visits for both primary and add-on cardholders along with the Priority Pass membership. 12 complimentary visits in a year for accompanying guests
- Avail unlimited complimentary domestic lounge visits for both the primary and add-on card holders. 12 complimentary guest visits in a year for accompanying guests
- Club ITC Culinaire Membership: Complimentary third night stay, 50% savings on published room tariff for suites on weekends, 25% Green Points on Food & Beverage spends, and Bouquet of 10 certificates and more
- Accorplus membership: Get 1 night complimentary stay across Asia Pacific region, complimentary room upgrade, 50% off on dining, and complimentary lunch buffet for 2 across Accor hotels in India
- Handcrafted Club Marriott Asia Pacific membership: Avail 20% off on food and beverage and 20% off on best available rates at participating Marriott hotels in India and on Weekend rates in the Asia Pacific
- Exclusive offers at Oberoi Hotels and Resorts: Get 15% savings on Room Only Rate and Room with Breakfast Rate or 3rd Night complimentary, 50% savings on Best Available Rates on suites
- 20% savings at Postcard hotels: Avail 20% off on best available room rate, anytime check-in and check out, and a complimentary lifestyle consultation (applicable at our hotels in Goa)
- Complimentary golf rounds: 50 Complimentary golf rounds every year across best golf courses in India
- Complimentary EazyDiner Prime membership: Savings of up to 25% across premium restaurants
- Buy 1 and Get 1 complimentary on BookMyShow: Buy 1 movie ticket and get up to Rs.500 off on the second ticket for a maximum of 5 times a month. And buy 1 non-movie ticket and get up to Rs.1000 off on the second ticket for a maximum of 5 times a month
- Dining delights: A dining proposition on Axis Bank cards which provides up to 20% discount at over 4,000 restaurants across India
- Handpicked experiences at extraordinaryweekends.com: Curated experiences such as sailing, golf, chef for a day, unique tours, etc
- Concessions on health and wellness coaching at Weljii: 1st complimentary information session and 25% savings on all health and wellness coaching plans
- Second medical opinion with world-class medical specialists: Referral-based service for second medical opinion with world-class specialists at reputed international hospitals
- Diagnoses at leading medical institutions: Exclusive savings on healthcare packages and pathology tests at Dr. Lal Pathlabs, Metropolis and SRL Diagnostics
- Global travel and medical assistance for international travel
Editor's Review
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
Pros
- Fuel Surcharge Waiver
- Handcrafted Club Marriott Asia Pacific Membership
- Exclusive offers at Oberoi Hotels and Resorts
Cons
- High Joining and Annual Fees
