IndianOil HDFC Bank Credit Card vs SBI Cashback credit card

Joining Fees

₹500

₹999

Editor's Rating

3.1

4.17

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
  • Get 5% Cashback on online spends without any merchant restriction
  • Get 1% Cashback on offline spends
  • The Card Cashback will be auto-credited to the SBI Card account within two working days of the next statement generation
  • The reversal of Renewal Fee will occur on annual spends of Rs. 2 Lakh
  • Avail 1% Fuel Surcharge Waiver across all petrol pumps in India. This is applicable on transactions between Rs. 500 and Rs. 3,000, exclusive of GST and other charges
  • CASHBACK SBI Card can be used in over 24 million outlets across the globe, including 3,25,000 outlets in India
  • Use the card to make payments at any outlet that accepts VISA
  • Withdraw cash from over 1 million VISA across the globe
  • Pay electricity, telephone, mobile and other utility bills using the Easy Bill Pay facility
  • Save money while paying credit card dues
  • Transfer the outstanding balance of other banks’ credit cards to CASHBACK SBI Card, to avail a lower rate of interest and pay back in EMIs

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 online spends
  • 1% Fuel Surcharge Waiver across all petrol pumps in India
  • Great for high spending on online merchants

Cons

  • No golf benefits
  • No complimentary airport lounge access
  • Cashback card is not eligible for instant discount during online sales


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