Compare IndianOil HDFC Bank Credit Card vs IDFC Bank FIRST SWYP Credit Card

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

Limited Period Offer: Get up to Rs. 200 cashback on first 4 UPI transactions (maximum up to Rs. 50 per transaction) done within 15 days of FIRST Digital RuPay Credit Card creation date
4 complimentary railway lounge access per quarter
25% discount on movie tickets up to Rs. 100 on Paytm mobile app once a month
Get 100 Reward Points for every Rs. 5,000 UPI spends per statement month
Complimentary Roadside Assistance worth Rs. 1,399
Monthly Milestone Rewards: SWYP for exciting Reward Points on monthly eligible spends:

A. Get 500 Reward Points on monthly spends of more than Rs. 10,000

B. Get 1000 Reward Points on monthly spends of more than Rs. 15,000

C. Get 400 Reward Points on rental spends of Rs. 20,000 and above p.m.

A. Dominos Pizza: 20% off up to Rs. 80 on orders above Rs. 299 twice in a month

B. EaseMyTrip: 10% instant discount up to Rs. 500 on flight or hotel bookings above Rs. 5,000 once a quarter

C. SUGAR Cosmetics: 20% instant discount up to Rs. 270 on orders above Rs. 1,250 once online once offline a month

D. TATA CLiQ: 10% instant discount up to Rs. 100 on purchases above Rs. 999 once a month

E. Zomato: Get 10% off up to Rs. 100 on orders above Rs. 299 twice in a month

1% fuel surcharge waiver up to Rs. 200 p.m. on fuel transactions between Rs. 200 and Rs. 5000 p.m.
Access to additional 300+ merchant offers on all your fav categories, all year round
Pay your statement in full or EMIfy your eligible balance
You can convert your eligible balance into easy & convenient EMIs
Make sure to pay any outstanding balance post EMI conversion by your payment due date
Convert balances or transactions into easy EMIs with flat monthly conversion fees & no other processing charges
Year- long instant discounts starting from 10% off on our Feature Partners
FIRST SWYP Referral Benefits: Get subscription fee waived off & many more benefits by referring FIRST SWYP

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

Pros

Numerous welcome benefits
Guaranteed year-long discounts on featured partners such as Dominos Pizza, EaseMyTrip, SUGAR Cosmetics, TATA CLiQ, and Zomato
Affordable joining/annual fee

Cons

While this card provides complimentary access to railway lounges, airport lounge access requires fulfilling referral criteria
Make sure to pay any outstanding balance post EMI conversion by your payment due date
No golf benefits