IndianOil HDFC Bank Credit Card VS IndianOil Kotak Credit Card VS IndianOil RBL Bank Credit Card
Comparing 3 cards side by side: IndianOil HDFC Bank Credit Card, IndianOil Kotak Credit Card, IndianOil RBL Bank Credit Card. IndianOil HDFC Bank Credit Card costs ₹500 + GST and earns 5% Fuel Points on IndianOil spends, groceries & bill payments; 1 FP for every ₹150 on other spends. IndianOil Kotak Credit Card costs ₹449 + GST and earns 24 RP/INR 150 on IndianOil fuel, 12 RP/INR 150 on dining/groceries, 3 RP/INR 150 on others. IndianOil RBL Bank Credit Card costs ₹500 + GST and earns 10 Fuel Points/₹100 on IndianOil fuel, 1 Fuel Point/₹100 on other spends. Compare the fee and reward differences above against your priority spend category — travel, dining, shopping, or fuel — to pick the right fit.
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
IndianOil HDFC Bank Credit Card
IndianOil Kotak Credit Card
IndianOil RBL Bank Credit Card
Who is it for?
Who is it for?
Who is it for?
Pros
Key benefits and features.
Being on the RuPay network, the card can be linked to UPI applications for convenient and fast mobile payments.
Offers accelerated 5% Fuel Points on spends at IndianOil outlets, groceries, and utility bill payments.
Provides significant annual savings with the potential to earn up to 50 liters of free fuel.
Renewal fee is easily waived on annual spends of just ₹50,000, making it cost-effective.
Pros
Key benefits and features.
Significant savings on fuel at IndianOil outlets with up to 4% value back in reward points.
Accelerated reward points on daily essential spends like groceries and dining (2% value back).
Flexible reward redemption options including cashback, Kotak Rewards, and IndianOil XTRAREWARDS for fuel.
Offers a good welcome bonus of 1000 Reward Points on initial spend, covering the joining fee.
Includes valuable benefits such as ₹2 Lakhs personal accident insurance and concierge services.
Pros
Key benefits and features.
Offers a high reward rate specifically for fuel purchases made at IndianOil stations.
Provides significant annual savings of up to ₹6,000 on fuel expenditure.
An affordable, basic co-branded card suitable for first-time credit card users.
Comes on the RuPay network, enabling easy linkage with UPI applications for payments.
Cons
Key drawbacks and limitations.
Monthly capping on Fuel Points for IndianOil outlet spends limits maximum reward earning potential.
Reward points for groceries and utility bills are also capped at a low 100 Fuel Points per month.
High foreign currency markup of 3.5% makes international transactions expensive for cardholders.
The card does not offer any complimentary airport lounge access, domestic or international.
Cons
Key drawbacks and limitations.
Reward points for fuel, dining, and groceries are subject to monthly maximum earning caps.
The card does not provide any complimentary airport or railway lounge access benefits.
Fuel surcharge waiver is not applicable on UPI transactions, limiting savings for some users.
High foreign currency markup of 3.5% makes it less ideal for international spending.
Welcome benefits are only applicable to cardholders who pay the initial joining fee.
Cons
Key drawbacks and limitations.
The reward rate for spending categories other than fuel is not high.
Monthly cap of 1,000 Fuel Points on IndianOil spends limits maximum savings.
Lacks premium benefits like lounge access, dining discounts, or travel perks.