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IndianOil RBL Bank Credit Card vs ICICI Bank HPCL Super Saver Credit Card vs IndianOil HDFC Bank Credit Card

A detailed, side-by-side look at 3 leading credit cards. Analyze the features that matter most to you and make an informed choice.

Features

IndianOil RBL Bank Credit Card
IndianOil RBL Bank Credit Card
ICICI Bank HPCL Super Saver Credit Card
ICICI Bank HPCL Super Saver Credit Card
IndianOil HDFC Bank Credit Card
IndianOil HDFC Bank Credit Card

Fees & Charges

Joining Fee
₹500 + GST
₹500 + GST
₹500 + GST
Renewal Fee
₹500 + GST
₹500 + GST
₹500 + GST
Spend Based Waiver
Annual Fee waived on spends of ₹1.75 Lakh in a year.
Annual fee waived on spending ₹1.5 lakh or more in the preceding year.
Joining fee waived on ₹20,000 spend in 90 days. Renewal fee waived on ₹50,000 annual spend.
Foreign Transaction Fees
3.5% markup on international spends.
3.5% of the transaction amount.
3.5% markup on all international and cross-currency transactions.
Interest Rate (APR)
2.5% to 3.99% Per Month on outstanding balances.
3.75% per month (45% per year) on ATM withdrawals and minimum due payments.
3.75% per month (45% per annum) on revolving credit balance.

Rewards & Benefits

Welcome Bonus
1,000 Fuel Points
2,000 bonus Reward Points on fee payment & ₹5k spend + ₹100 cashback via HP Pay app on first fuel.
Complimentary IndianOil XTRAREWARDS Program (IXRP) membership on joining.
Rewards Rate
Earn 10 Fuel Points/₹100 on IndianOil fuel, 1 Fuel Point/₹100 on other spends.
5% savings on HPCL fuel; 20 RP/₹100 on essentials; 2 RP/₹100 on others; 6x-12x on iShop.
Earn 5% Fuel Points on IndianOil spends, groceries & bill payments; 1 FP for every ₹150 on other spends.
Reward Type
Reward Points
Reward Points and Cashback
Fuel Points
Reward Redemption Fee
₹99 + GST applies for redemption of reward points.
₹99 + GST per redemption request.
₹99 + GST applies for reward point redemption.

Travel & Lifestyle

Domestic Lounge Access
Not Applicable
1 complimentary access per quarter on ₹75,000 spend in preceding quarter (primary cardholder).
Not Applicable
International Lounge Access
Not Applicable
No international lounge access benefits are provided with this card.
Not Applicable
Travel Benefits
Not Applicable
Complimentary domestic lounge access (spend-based); 24x7 Roadside Assistance; Concierge (RuPay).
Not Applicable
Movie Benefits
Not Applicable
25% off (up to ₹100) on movie tickets via BookMyShow & INOX, twice a month on each.
Not Applicable
Dining Benefits
Not Applicable
Dining discounts through ICICI Bank Culinary Treats Programme at partnered restaurants.
Not Applicable
Golf Benefits
Not Applicable
No golf benefits are offered with this credit card.
Not Applicable
Fuel Surcharge Waiver
1% fuel surcharge waiver.
1% fuel surcharge waiver applicable at all fuel stations across India.
1% waiver on fuel transactions (min ₹400), capped at ₹250 per statement cycle.

Security & Other

Insurance Benefits
Not Applicable
Personal Accident Insurance Cover is provided (for RuPay Variant).
Zero Lost Card Liability protection against fraudulent transactions upon reporting card loss.
Cash Advance Charges
2.5% or a Minimum of ₹500 for cash withdrawals.
2.5% of cash amount, minimum of ₹500.
2.5% of amount withdrawn, minimum ₹500, for cash advance transactions.

IndianOil RBL Bank Credit Card

ICICI Bank HPCL Super Saver Credit Card

IndianOil HDFC Bank Credit Card

Who is it for?

Who is it for?

Who is it for?

Pros

Key benefits and features.

Highly advantageous credit card for those who frequently purchase fuel at IndianOil stations.

Offers an excellent reward rate of 5% on fuel purchases, ensuring significant savings.

Considered one of the best co-branded credit cards for fuel purchases at IndianOil Outlets.

Affordable ₹500 fee makes it ideal for individuals seeking their first fuel credit card.

Potential annual savings of up to ₹6,000 on fuel expenditure at IndianOil outlets.

Pros

Key benefits and features.

Exceptional savings on fuel at HPCL pumps, including cashback and surcharge waiver.

Generous reward points on everyday spends like utilities, groceries, and department stores.

Complimentary domestic airport lounge access helps enhance travel experiences.

Attractive discounts on movie tickets and dining offers via Culinary Treats Programme.

Pros

Key benefits and features.

RuPay network enables seamless linkage to UPI applications for mobile payments.

Offers a high reward rate for fuel redemption through IXRP, valuing 1 FP at ₹0.96.

Provides potential for both joining and renewal fee waivers based on annual spending.

Opportunity to earn up to 50 litres of free fuel annually with continued usage.

Cons

Key drawbacks and limitations.

The card does not offer a high reward rate for spending on categories other than fuel.

Limited benefits beyond fuel, making it less versatile for diverse spending needs.

A rewards redemption fee of ₹99 + GST applies, reducing the overall reward value slightly.

Cons

Key drawbacks and limitations.

A redemption fee of ₹99 + GST is charged for every reward redemption request.

No international lounge access or golf benefits are provided with this card.

High foreign currency markup of 3.5% makes international spends less rewarding.

Cash advance charges are 2.5% of the amount, with a minimum fee of ₹500.

Cons

Key drawbacks and limitations.

Initial cap on accelerated fuel rewards at IndianOil outlets limits benefits for high spenders.

Reward accrual on groceries and bill payments is capped at 100 Fuel Points per month.

Lower redemption value (1 FP = ₹0.20) for cashback or catalogue products.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.