IndianOil HDFC Bank Credit Card vs HDFC Bharat Credit Card

Joining Fees

₹500

₹500

Editor's Rating

3.1

3.3

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
  • Get 5% monthly cashback by booking tickets through IRCTC
  • On Fuel expenses, enjoy savings with 5% monthly cashback
  • Get 1% surcharge waiver and save up to Rs. 250 in every billing cycle (Min transaction of Rs. 400)
  • On Groceries spends, enjoy savings with 5% monthly cashback
  • Enjoy savings with 5% monthly cashback on Bill Payment and Mobile recharge
  • Get 5% monthly cashback on spends on PayZapp/EasyEMI/SmartBUY
  • Avail up to 50 interest-free days from date of purchase
  • Get Revolving Credit at Nominal interest rate
  • Save annually up to Rs 3,600 by simply using the HDFC Bank Bharat credit card

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

  • Get 1% surcharge waiver and save upto Rs. 250 in every billing cycle (Min transaction of Rs. 400)
  • Get 5% monthly cashback on spends on PayZapp/EasyEMI/SmartBUY
  • Avail up to 50 interest-free days from date of purchase

Cons

  • No Lounge Access
  • No Golf benefits


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