IndianOil HDFC Bank Credit CardApply Now |
HDFC MoneyBack Credit Card |
HDFC Bank Freedom Credit CardApply Now |
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Joining Fee Rs. 500 + GST | Joining Fee Rs. 500 + GST | Joining Fee Rs. 500 + GST | |
Rewards and Benefits |
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Welcome Benefits N/A | Welcome Benefits Get 500 Cash Points. | Welcome Benefits 500 CashPoints | |
Rewards Rate 5% of spends as Fuel Points at IndianOil outlets, groceries, and bill payments, 1 Fuel Point on every Rs. 150 spent on all other purchases, reward rate of up to 4.8% | Rewards Rate 4 Reward Points on every Rs 150 spent online and 2 Reward Points on every other spend, reward rate of up to 0.67%. | Rewards Rate Get 1 CashPoint for every Rs. 150 spent on all purchases, earn 5x CashPoints on EMI transactions at merchant outlets, and 10x CashPoints on Big Basket, Swiggy, BookMyShow, Oyo, Uber, and more. | |
Movie & Dining N/A | Movie & Dining Exclusive dining benefits with the Good Food Trail program. Save up to 20% on your restaurant bills through Swiggy Dineout | Movie & Dining Up to 20% off via Swiggy Dineout | |
Reward Redemption Fuel Points redeemable for Free Fuel using the complimentary IndianOil XTRAREWARDS Program (IXRP) membership at IndianOil outlets (1 FP = 96 Paise), through net-banking towards catalog products (1 FP = 20 Paise) and as cashback on the credit card (1 FP = 20 Paise) | Reward Redemption 1 Reward Point = Rs 0.20 for redemption against the statement balance. 1 Reward Point = Rs. 0.25 for redemption through Smartbuy Rewards portal | Reward Redemption 1 CashPoint = Re. 0.15 for redemption on SmartBuy or cashback. | |
Travel N/A | Travel N/A | Travel N/A | |
Golf N/A | Golf N/A | Golf N/A | |
Domestic Lounge N/A | Domestic Lounge N/A | Domestic Lounge N/A | |
International Lounge N/A | International Lounge N/A | International Lounge N/A | |
Insurance Benefits N/A | Insurance Benefits N/A | Insurance Benefits N/A | |
Zero Liability Protection Zero liability of credit cardholders against any unauthorized transaction if the loss or theft is reported to the bank within 24 hours post-loss or theft. | Zero Liability Protection Zero Liability Protection cover is provided by the HDFC bank against fraudulent transactions on your credit card if the loss is reported immediately within a stipulated time to the 24-hour HDFC Customer helpline | Zero Liability Protection Cardholders shall not be liable for any fraudulent transaction made with the card post reporting the loss of the card to the bank. | |
Fees & Charges |
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Renewal Fee Rs. 500 + GST | Renewal Fee Rs. 500 + GST | Renewal Fee Rs. 500 + GST | |
Spend Based Waiver The renewal fee will be waived on spends of Rs. 50,000 | Spend Based Waiver The renewal fee is waived off on spending Rs. 50,000 or above in the previous year. | Spend Based Waiver Rs. 50,000 spent in the previous year | |
Rewards Redemption Fee Rs 99 per redemption request | Rewards Redemption Fee Rs. 99 per redemption request (plus applicable taxes) | Rewards Redemption Fee Rs. 99 per redemption request (plus applicable taxes) | |
Foreign Currency Markup 3.5% of the amount transacted | Foreign Currency Markup 3.5% per currency conversion (plus applicable taxes) | Foreign Currency Markup 3.5% on the conversion amount (plus applicable taxes) | |
Interest Rates 3.6% per month (or 43.2% per annum) | Interest Rates 3.6% per month (43.2% per annum) | Interest Rates 3.6% per month (or 43.2% per annum), 0.99% for the first 90 days. | |
Fuel Surcharge On a minimum fuel transaction of Rs. 400, you will get a fuel surcharge waiver of 1%. | Fuel Surcharge 1% fuel surcharge waiver on all your fuel transactions using this credit card at all petrol pumps across India | Fuel Surcharge 1% fuel surcharge waived off at all filling stations across India for transactions between Rs. 400 and Rs. 5,000 | |
Cash Advance Charges 2.5% of the amount withdrawn subject to a minimum charge of Rs 500. | Cash Advance Charges 2.5% of the withdrawal amount subject to a minimum charge of Rs 500 | Cash Advance Charges 2.50% of the withdrawn amount (subject to a minimum charge of Rs. 500) | |
Add-on Card Fee Nil | Add-on Card Fee Nil | Add-on Card Fee Nil |