IndianOil HDFC Bank Credit Card vs IDFC FIRST Wealth 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

• Welcome Benefits include getting vouchers worth Rs. 500 on spending Rs. 15,000 within 90 days
• 5% cashback on making the first EMI transaction made within 90 days of card set-up
• Avail 10X Reward Points on all transactions above Rs. 20,000
• Avail 6X Reward Points on Online Spends and 3X Reward Points on all Offline Spends
• 4 Complimentary Domestic and International Airport lounge and spa visits every calendar quarter
• 4 complimentary Railway Lounge visits every calendar quarter
• Low foreign exchange mark-up fee of 1.5%
• 20% discount on 1500+ Restaurants
• 15% discount on 3000+ Health & Wellness Outlets
• Free Road Side Assistance(RSA) worth Rs. 1,399

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

• Lifetime free credit card
• Complimentary Airport and Railway lounge access
• Multi-faceted discounts are offered on movie tickets, travel, spas, wellness centers, etc.

Cons

• No milestone benefits
• Welcome gift voucher is only provided on spending Rs.15,000 within 90 days of card set-up
• Interest-free cash withdrawal available for 48 days only