IndianOil HDFC Bank Credit Card vs SBI SimplyClick 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

• On joining SimplyCLICK SBI Card, get Amazon.in gift card worth Rs. 499
• On online spends with exclusive partners - Apollo 24x7/BookMyShow/ Cleartrip/ Dominos/ Myntra/ Netmeds/ Swiggy/ Yatra, earn 10X Reward Points
• Earn 5X rewards on all other online spends
• Earn 1 reward point per Rs. 100 on all other spends
• Get e-voucher worth Rs. 2,000 each on reaching annual online spends of Rs. 1 Lakh and Rs. 2 Lakhs respectively. Voucher Brand : Cleartrip/Yatra
• 1% fuel surcharge waiver for each transaction between Rs. 500 and Rs 3000 (exclusive of GST, wherever applicable, & all other charges)
• Spend Rs 1,00,000 and get annual fee reversed for the SimplyCLICK SBI card in the subsequent year
• Simply wave the card at a secured reader and the transaction will be done. Maximum payment of Rs. 5,000 allowed per contactless transaction
• Transfer outstanding balance of other banks’ credit cards to SimplyCLICK SBI Card, and avail a lower rate of interest and pay back in EMIs
• With Flexipay facility, convert transactions in easy monthly installments. Make any purchase for Rs. 2,500 or more using SimplyCLICK SBI Card , and log in 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

• Earn 1 reward point per Rs.100 on all other spends  
• e-voucher worth Rs. 2,000 on annual online spends of Rs.1 Lakh
• e-voucher worth Rs. 2,000 on annual online spends of Rs.2 Lakhs

Cons

• No Golf/coaching sessions
• No particular benefits on travel, dining or entertainment
• Limited options for reward redemption