IRCTC HDFC Bank Credit Card vs IndianOil HDFC Bank Credit Card

• Avail 5 Reward Points for every Rs. 100 spent on the IRCTC ticketing website and Rail Connect App
• Get 1 Reward Point for every Rs. 100 spent on all other spends
• Avail an additional 5% cashback on train ticket bookings via HDFC Bank SmartBuy
• 8 complimentary access to selected IRCTC Executive Lounges every year (2 per quarter)
• Get a 1% transaction charges waiver on transactions done on the IRCTC ticketing website and Rail Connect App
• Spend Rs. 1,50,000 or more in one year before Credit Card renewal and get the renewal fee waived off
• Up to 50 days of interest-free period from the date of purchase
• Revolving Credit available at a nominal interest rate
• 1% fuel surcharge waiver at all fuel stations in India on transactions between Rs. 400 and Rs. 5,000
• Milestone Benefits: Get a gift voucher valued at Rs. 500 when you make quarterly spends of Rs. 30,000 or more (every 90 days from the date of issue)
• IRCTC Executive Lounge Benefits: Get 8 complimentary access to selected IRCTC Executive Lounges every year (2 per quarter)
• It is now possible to link IRCTC HDFC Bank Credit Card to select UPI apps: PayZapp/ GPay/ PhonePe/ Mobikwik/ PayTM/ BHIM/ Slice
• A maximum of 500 reward points can be earned on UPI spends in a calendar month using the IRCTC HDFC Bank Credit Card
• Convert big spends into EMI after purchase
• The IRCTC HDFC Bank Credit Card is equipped with contactless payment technology for added convenience and speed

• 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

Pros

• Complimentary access to Executive Lounges of IRTC
• 5 Reward Points for every Rs. 100 spent on the IRCTC ticketing website and Rail Connect App
• Get 1 Reward Point for every Rs. 100 spent on all other spends

Cons

• No golf benefits are provided
• No airport lounge access
• No movie and dining benefits

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