IndianOil HDFC Bank Credit Card vs Paytm HDFC Bank Digital 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

• First Year Fee will get waived off on retail spends of Rs. 1,500/1,000 in the first month
• In a calendar year, Renewal Year Fee will get waived off on retail spends of Rs. 25,000
• Avail 2% accelerated cashback on using the Scan & Pay feature on Paytm App - Select Merchants only
• Get 2% cashback on key accelerated categories - Swiggy and Uber
• Avail 1% cashback on all other Retail Spends including Paytm spends
• Utility Bill Payments: By registering the Credit Card with SmartPay, HDFC Bank's Utility Bill payment service, you can be ensured that all your utility bills will be paid on time easily and conveniently
• If your card is lost, by reporting it immediately to the bank's 24-hour call centre, you will have zero liability for any fraudulent transactions made on your card
• Get 1% fuel surcharge waived off on fuel transactions between Rs. 400 and  Rs. 5,000.
• Obtain up to 50 days of interest free credit 
• Enjoy No Cost & Low cost EMI options on your credit card

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

• Welcome Benefits
• Avail 2% accelerated cashback on using the Scan & Pay feature on Paytm App - Select Merchants only
• Get 2% cashback on key accelerated categories - Swiggy and Uber

Cons

• No golf benefits
• No discount on partner restaurants through Dineout
• No airport lounge access