IndianOil HDFC Bank Credit Card vs InterMiles HDFC Bank Platinum 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

• Renewal Benefits

A. Continue the exciting journey with 1,500 InterMiles upon spending Rs. 3,000 within first 30 days of Anniversary date

Experience savings on Flight and Hotel bookings:

A. Get Rs. 500  Flight Discount vouchers

B. Get Rs. 1000  Hotel Discount vouchers

Do note that these Renewal benefits are only applicable on realization of membership fee

• Get 4 InterMiles on every Rs. 150 spent on retail spends
• Get 8 InterMiles on every Rs 150 spent on every flight ticket booked on https://flights.intermiles.com
• Get 8 InterMiles on every Rs. 150 spent on every Hotel booked via Interbook.intermiles.com
• Privileges on Etihad Airways

A. Obtain 5% discount on Etihad Airways Economy Class tickets booked on http://flights.intermiles.com

B. Avail 2.5X bonus InterMiles for Etihad Airways tickets booked on http://flights.intermiles.com

• Domestic Lounge Program: Be greeted with luxury each time when traveling, with access to selected lounges at airports in India with the bank’s network partners
• VISA Lounge Program: Get 8 complimentary visits Per Year (2 per quarter)
• MasterCard Lounge Program: Get 8 complimentary visits (2 per quarter)
• 1% fuel surcharge waiver at fuel stations in India on minimum transaction of Rs. 400
• Zero liability on lost card
• Revolving Credit is available at an interest rate of 3.6% per month
• Avail up to 50 days of free credit period from the date of purchase
• Avail up to 3 Add-on Cards
• Save up to 20% on dining bills paid via Dineout Pay via the credit card. Get 15% Dineout Discount plus Additional 5% HDFC Bank Discount

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

• InterMiles as welcome benefit and reward points
• Domestic lounge access
• Save up to 20% on dining bills paid via Dineout Pay via the credit card. Get 15% Dineout Discount plus Additional 5% HDFC Bank Discount

Cons

• InterMiles can only be used for travel related bookings on the InterMiles website
• There are other travel credit cards that offer more redemption options
• No golf or movie benefits