IndianOil RBL Bank Credit Card vs IndianOil HDFC Bank Credit Card
A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
Fees & Charges
Joining Fee
₹500 + GST
₹500 + GST
Renewal Fee
₹500 + GST
₹500 + GST
Spend Based Waiver
Annual Fee waived on spends of ₹1.75 Lakh in a 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% 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 annum) on revolving credit balance.
Rewards & Benefits
Welcome Bonus
1,000 Fuel Points
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.
Earn 5% Fuel Points on IndianOil spends, groceries & bill payments; 1 FP for every ₹150 on other spends.
Reward Type
Reward Points
Fuel Points
Reward Redemption Fee
₹99 + GST applies for redemption of reward points.
₹99 + GST applies for reward point redemption.
Travel & Lifestyle
Domestic Lounge Access
Not Applicable
Not Applicable
International Lounge Access
Not Applicable
Not Applicable
Travel Benefits
Not Applicable
Not Applicable
Movie Benefits
Not Applicable
Not Applicable
Dining Benefits
Not Applicable
Not Applicable
Golf Benefits
Not Applicable
Not Applicable
Fuel Surcharge Waiver
1% fuel surcharge waiver.
1% waiver on fuel transactions (min ₹400), capped at ₹250 per statement cycle.
Security & Other
Insurance Benefits
Not Applicable
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2.5% of amount withdrawn, minimum ₹500, for cash advance transactions.