IndianOil HDFC Bank Credit Card vs InterMiles HDFC Bank Platinum Credit Card

Joining Fees

₹500

₹1,000

Editor's Rating

3.1

3.75

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
  • 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

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

  • 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


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