IndianOil HDFC Bank Credit Card vs Reliance SBI 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

• Milestone Benefits include getting a waiver of renewal fees on annual spends on Reliance Retail outlet of Rs. 1 Lakh in the previous year. Get Rs. 500 worth Reliance Retail Voucher on Annual Spends of Rs. 25,000 at participating Reliance Retail Stores, Rs. 750 worth Reliance Retail Voucher on Annual Spends of Rs. 50,000 at participating Reliance Retail Stores, and Rs. 1,000 worth Reliance Retail Voucher on Annual Spends of Rs. 80,000 at participating Reliance Retail Stores
• Get 5 Reward Points per Rs. 100 spent on the participating Reliance Retail Stores (except on UPI payments) and (subject to the Reliance Retail Stores MIDs received from partner and mapped in SBIC system)
• Get 5 Reward Points per Rs. 100 spent on Dinning and Movies
• Get 1 Reward Points per Rs. 100 spent on other retail purchases (except fuel, property rental, wallet upload) 
• Avail 1% surcharge at all petrol pumps for transactions between Rs. 500 and Rs. 4,000
• Other Benefits: Transactions offers at participating Reliance Retail Stores. Redeem the Rewards Points against Reliance Retail Vouchers
• Reliance SBI Card SBI Card in over 24 million outlets across the globe, including 3,25,000 outlets in India
• Withdraw cash from over 1 million Visa or MasterCard ATMs across the globe
• Transfer outstanding balance of other banks’ credit cards to Reliance SBI Card, and avail a lower rate of interest and pay back in EMIs
• With Flexipay, convert transactions in easy monthly installments. Make any purchase for Rs. 2,500 or more and log in with your username and password to sbicard.com within 30 days of purchase to convert it into Flexipay

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 Reward Points per Rs. 100 spent on Dinning and Movies
• Get 1 Reward Points per Rs. 100 spent on other retail purchases
• Milestone Benefits

Cons

• Mostly Reliance SBI Card is mainly beneficial for those who make regular purchases from Reliance stores
• No golf or cashback benefits
• No airport lounge access