IndianOil HDFC Bank Credit Card vs InterMiles ICICI Bank Sapphiro 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

• Upon joining InterMiles ICICI Bank Sapphiro Credit Card, you'll get 10,000 welcome bonus InterMiles and a complimentary discount code. As a joining benefit, you will receive a complimentary discount code worth Rs. 750
• You will receive the bonus InterMiles and the discount code worth Rs. 500 within 45 working days, post-payment of your Joining Fee
• Earn up to 10 InterMiles per Rs. 100 spent on the card
• Every year when you renew your InterMiles ICICI Bank Sapphiro Credit Card, get 5,000 bonus InterMiles
• Receive a complimentary discount code worth Rs. 500 as a renewal benefit
• You will receive the bonus InterMiles and the discount code worth Rs. 500 within 45 working days, post payment of your Annual Fee
• Avail 5% discount on Economy Class tickets when booked on Etihad Airways
• Get 10% discount on Business Class tickets booked on Etihad Airways
• Redemption Miles Back on international flights: 30%
• Complimentary DragonPass, the world’s first all-in-one Digital Airport platform. Get Two International Airport Lounge visits and Two Spa Sessions at selected airports in India every year, through complimentary DragonPass membership. The USD 99 annual membership fee for DragonPass is complimentary. You will need to pay for the lounge visit charges for visits done over and above the complimentary accesses
• Through BookMyShow, buy one ticket and get up to Rs. 500 off on the second ticket, twice every month
• Get complimentary Golf Round / Lesson for every Rs. 50,000 retail spend in the previous calendar month, maximum of up to four rounds every month
• Exclusive dining offers through ICICI Bank Culinary Treats Programme
• 1% fuel surcharge will be applicable on fuel transactions only at select fuel outlets
• American Express Connect provides wide range of special offers related to Travel, Lodging, Dining, Retail and Online Shopping
• Avail complimentary access to selected lounges at airports in India- Four complimentary airport lounge access per quarter (two each on American Express and/or Visa variant) on your InterMiles ICICI Bank Sapphiro Credit Card by spending Rs. 5,000 in a calendar quarter on each of your cards to avail of this facility in the next calendar quarter
• Accumulate a maximum of 60,000 InterMiles against your spends in each anniversary year. When this cap is reached, an InterMiles Uncapping Fee of Rs. 7,500 will be levied to the Credit Card account
• VISA Lounge Access: Get complimentary access to Airport Lounges in India- Four complimentary airport lounge access per quarter (2 each on American Express and/or Visa variant) on your InterMiles ICICI Bank Sapphiro Credit Card by spending Rs. 5,000 in a calendar quarter on each of your cards to avail of this facility in the next calendar quarter

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

• Redemption Miles Back on international flights: 30%
• Complimentary DragonPass, the world’s first all-in-one Digital Airport Platform
• Two International Airport Lounge visits and Two spa sessions at selected airports in India every year, through complimentary DragonPass membership

Cons

• High-interest rate
• High Joining Fees

To apply for ICICI Bank Credit Cards please click here