IndianOil HDFC Bank Credit Card vs Paytm HDFC Bank Select 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
- Avail 5% Cashback on purchases on Paytm [Recharge + Utility + Travel + Movies + Mini App]
- Avail 3% Cashback on Accelerated Categories such as Swiggy, AJIO, Big Basket & Uber
- Get 1% Cashback on all other retail transactions
- Obtain up to 50 days of interest free credit
- Get up to 4 complimentary add-on cards
- 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
- 8 Complimentary access to Domestic Airport Lounges in India in a calendar year
- Get a 1% fuel surcharge waived on fuel transactions. This is applicable on minimum transactions of Rs. 400 and maximum transactions of Rs. 5,000
- Milestone Benefit: Avail Gift Vouchers worth Rs.500 upon spending Rs. 50,000 every Calendar Quarter
- The Paytm HDFC Bank Select Credit Card is designed to allow contactless payments
- Avail up to 20% discount on partner restaurants through Dineout
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
- 5% Cashback on purchases on Paytm [Recharge + Utility + Travel + Movies + Mini App]
- Avail 3% Cashback on Accelerated Categories such as Swiggy, AJIO, Big Basket & Uber
- 8 Complimentary access to Domestic Airport Lounges in India in a calendar year
Cons
- No rewards as such
- Get 1% Cashback on all other retail transactions
- Milestone benefits could have been made better
