IndianOil RBL Bank XTRA Credit Card VS Union Uni Carbon Credit Card VS Bank of India CELESTIA CREDIT CARD VS HDFC Bank Fleet Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
IndianOil RBL Bank XTRA Credit Card
Union Uni Carbon Credit Card
Bank of India CELESTIA CREDIT CARD
HDFC Bank Fleet Credit Card
Who is it for?
Who is it for?
Who is it for?
Who is it for?
Pros
Key benefits and features.
Offers a high return of 7.5% on fuel purchases, a competitive rate among fuel cards.
Combined with the fuel surcharge waiver, total savings reach 8.5% on fuel.
Welcome benefits provide 3,000 Fuel Points, equivalent to ₹1,500 value.
Milestone rewards offer additional Fuel Points on achieving quarterly spend targets.
Pros
Key benefits and features.
High savings on fuel, especially at HPCL outlets (up to 6.5% via HP Pay App).
Dedicated 4% cashback on HPCL fuel transactions, maximizing fuel savings.
Annual fee waiver on a reasonable spend threshold of ₹1,00,000 annually.
RuPay network enables UPI linkage for convenient merchant payments.
Milestone rewards provide additional value for higher annual spending.
Pros
Key benefits and features.
Zero joining fee makes it accessible for first-time credit card users.
Annual fee waived on annual spends of just ₹50,000, easy to achieve.
Fuel surcharge waiver of 1% benefits regular commuters and drivers.
RuPay variant allows seamless UPI integration for everyday payments.
Pros
Key benefits and features.
Complete fuel surcharge waiver significantly reduces operational costs for fleet businesses.
Offers flexible credit periods up to 37 days, enhancing cash flow management for operators.
Provides detailed expense reports and dedicated corporate support for efficient fleet management.
Higher credit limits are specifically designed to meet the demands of corporate fleet operations.
Includes complimentary travel insurance and exclusive deals on hotels, travel, and business services.
Cons
Key drawbacks and limitations.
Lacks diverse benefits like lounge access or dining discounts, unlike other cards.
Comes with a joining fee of ₹1,500 + GST, which might deter some users.
Users have reported issues with redeeming Fuel Points at some IndianOil outlets.
Excludes many common spend categories like utilities and rentals from rewards.
Cons
Key drawbacks and limitations.
Limited redemption options, primarily focused on cashback and HP Pay app benefits.
No travel or lifestyle benefits like lounge access, dining, or movies are offered.
High interest rate of 2.95% per month if balances are carried over.
Insurance coverage is lower compared to some premium credit cards.
Cons
Key drawbacks and limitations.
High interest rate of 3.35% per month on unpaid balances.
No complimentary domestic or international airport lounge access.
Foreign currency markup of 3.5% makes it costly for international use.
No travel insurance or comprehensive insurance cover provided.
Reward redemption incurs a fee of ₹99 plus taxes.
Cons
Key drawbacks and limitations.
Card usage is strictly limited to fuel purchases from selected oil marketing companies.
No revolving credit allowed; 100% of the Minimum Amount Due must be cleared promptly.
A flat interest rate is charged on purchases, which varies based on the chosen credit period.
Various fees apply, including cash processing, card reissue, and significant late payment charges.
Non-payment charges are substantial at 2.95% monthly, amounting to 35.4% annually.