Compare Cards India - Apply Right Credit Card For You

IndianOil HDFC Bank Credit Card Apply Now	IndianOil Kotak Credit Card Apply Now
Joining Fee Rs. 500 + GST	Joining Fee Rs. 449 + GST
Rewards and Benefits
Welcome Benefits N/A	Welcome Benefits Get 1000 Reward Points on spending Rs. 500 or more within 30 days of getting the card
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 Get 24 Reward Points on every Rs. 150 spent on fuel. Get 12 Reward Points on every Rs. 150 spent on grocery and dining. Get 3 Reward Points on every Rs. 150 spent on other transactions.
Movie & Dining N/A	Movie & Dining Get 12 Reward Points on spending Rs. 150 on dining. You get 2% back as reward points on your dining spends.
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 Reward Points can be redeemed as cashback or to buy merchandise, products, and vouchers on kotakrewards.com. You can redeem your Reward Points for IndianOil XTRAREWARDS as well.
Travel N/A	Travel NA
Golf N/A	Golf NA
Domestic Lounge N/A	Domestic Lounge NA
International Lounge N/A	International Lounge NA
Insurance Benefits N/A	Insurance Benefits Insurance cover worth Rs. 2 Lakhs for personal accident
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 Cardholder will not be liable for fraudulent transaction on reporting the loss of his card in a timely manner to the bank
Fees & Charges

Renewal Fee Rs. 500 + GST	Renewal Fee Rs. 449 + GST
Spend Based Waiver The renewal fee will be waived on spends of Rs. 50,000	Spend Based Waiver Annual fee is waived on spends of Rs. 50,000 or above
Rewards Redemption Fee Rs 99 per redemption request	Rewards Redemption Fee Nil
Foreign Currency Markup 3.5% of the amount transacted	Foreign Currency Markup 3.5%
Interest Rates 3.6% per month (or 43.2% per annum)	Interest Rates 3.5% per month or 42% per annum
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 transactions between Rs. 100 to Rs. 5000
Cash Advance Charges 2.5% of the amount withdrawn subject to a minimum charge of Rs 500.	Cash Advance Charges Rs. 300 per Rs. 10,000 withdrawn
Add-on Card Fee Nil	Add-on Card Fee Nil

IndianOil HDFC Bank Credit Card

IndianOil Kotak Credit Card

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