IndianOil HDFC Bank Credit Card vs Ixigo AU Bank Credit Card
Joining Fees
₹500
₹999
Editor's Rating
3.1
3
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
- Joining fee is Rs. 999 + GST, but it can be waived if the cardholder spends Rs. 1,000 within the first 30 days of card issuance. Renewal fee of Rs. 999 + GST can also be waived if the cardholder spends Rs. 1,00,000 in the previous year
- Enjoy a 10% discount on Flight Bookings up to Rs. 1,000
- Wave goodbye to PG Charges on train bookings
- Get 10% Off on Bus Bookings up to Rs. 300
- Receive a 10% Instant Off on Hotel Bookings up to Rs. 1,000
- Discounts on Flight, Hotel and Bus Bookings can be availed once per month
- PG charges are waived twice per month
- Avail 20 Reward Points for every Rs. 200 spent on Train Bookings with ixigo
- Avail 10 Reward Points for every Rs. 200 spent on online purchases
- Avail 5 Reward Points for every Rs. 200 spent offline
- 1 Complimentary International Lounge Access every year
- Priority Pass can be issued upon request
- Get 16 Exclusive Complimentary Domestic Airport and Railway Lounge Access every year
- Zero mark-up fee on international purchase
- 1% surcharge waiver up to Rs. 250 on fuel transactions between Rs. 400 and Rs. 5,000 at all fuel stations in India
- Avail plethora of options to redeem the Reward Points for amazing benefits. Some of them include: E-vouchers of top brands, Merchandise, Mobile/DTH recharges, Flight/Hotel bookings and much more
- Zero liability on any fraudulent transactions made with the card after reporting the loss to the bank
- Get protected against Travel Credit Card Counterfeit/Skimming and Online frauds
- Credit Shield: Up to Rs. 1.5 Lakhs
- Convert transactions worth Rs. 2,000 or more into easy EMI options on select tenure of choice. Simply call bank’s Customer Care helpline to book the XpressEMI
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
- Direct discounts on Ixigo travel bookings, and accelerated rewards
- Domestic airport and railway lounge access
- Discount on bus ticket bookings
Cons
- Only 1 International Airport Lounge access
- No Golf benefits
- Priority Pass is issued only upon request
