IndianOil HDFC Bank Credit Card vs SBI Card Prime

• 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

• Get 10 Reward Points per Rs. 100 spent on Dining, Groceries, Departmental stores and Movies
• Earn 2 Reward Points per Rs. 100 on all other retail spends
• 1% Fuel Surcharge Waiver on transaction amount ranging from Rs. 500 - Rs. 4000 across all petrol pumps
• Get Pizza Hut e-Voucher worth Rs. 1,000 on achieving spends of Rs. 50,000 in a calendar quarter
• Waiver of Renewal Fee on annual spends of Rs. 3 Lakhs
• Avail E-Gift Voucher worth Rs. 7,000 from Yatra.com/Pantaloons on achieving annual spends of Rs. 5 Lakhs
• Get complimentary Trident Privilege Red Tier Membership   
• Get exclusive 1,000 Welcome Points on registration
• Get 1,500 Bonus Points on your first stay and additional Rs. 1,000 hotel credit on extended night stay
• Avail 10% instant saving on bookings through hotel website
• Avail 10 points for every Rs.100 spent during the stay at participating hotels
• Complimentary Club Vistara Silver membership
• Get 1 Upgrade Voucher
• Avail 9 Club Vistara Points for every Rs. 100 spent on Vistara flights
• 4 complimentary visits per calendar year to International Priority Pass Lounges, outside India (max. 2 visits per quarter)
• 8 complimentary visits per calendar year to Domestic Lounges in India (max. 2 visits per quarter)
• Get 20 Reward Points per Rs. 100  spent on your birthday

Mastercard/Visa/American Express Privileges

• Mastercard

a. Avail 4 rounds of complimentary green fees access and up to 50% off on golf games along with 1 complimentary lesson per month at selected golf courses in India

b. Get up to 15% discount on best available room rates and up to 15% discount on F&B at Lalit Hotels

• Visa

a. Savings of up to 10% on Hertz car rental and up to 35% on Avis Car Rentals

b. Exclusive benefits across 900 luxury hotels worldwide

• American Express

a. American Express Dining Platform - Discover delectable dining offers and up to 25% discount in your city

b. Complimentary Tablet plus membership - access to VIP upgrades and privileges at hotels in India and around the world

• Get complimentary Air Accident Liability Cover of Rs. 50 lakhs
• Get complimentary credit card Fraud Liability Cover of Rs. 1 lakh
• With Flexipay, convert your transactions in easy monthly installments. Simply transact for Rs. 2,500 or more using your SBI Card PRIME, and log onto sbicard.com within 30 days of purchase to convert it into Flexipay
• Transfer the outstanding balance of other banks’ credit cards to SBI Card PRIME, to avail a lower rate of interest and pay back in EMIs

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

• 1% Fuel Surcharge Waiver on transaction amount ranging from Rs.500-Rs.4000 across all petrol pumps
• Waiver of Renewal Fee on annual spends of Rs. 3 Lakhs
• 4 complimentary International Airport Lounge visits, 8 complimentary Domestic VISA/Mastercard Lounges (max. 2 visits per quarter)

Cons

• General spending rewards rate: 0.50%
• Joining Fee bit high