IndianOil HDFC Bank Credit Card
Rs 500Annual fee
Rs 50,000Fee waiver spend
0Domestic lounge
3.5%Forex markup
Best for
fuel, groceries, bill payments
Top rewards
Fuel spends at IndianOil outlets: 5 Fuel Points / Rs 100 spent; Grocery spends: 5 Fuel Points / Rs 100 spent; Utility & Bill Payments: 5 Fuel Points / Rs 100 spent
INDIANOIL AXIS BANK Credit Card
Rs 500Annual fee
Rs 3,50,000Fee waiver spend
0Domestic lounge
3.5%Forex markup
Best for
fuel, indianoil, online shopping, movies, upi
Top rewards
fuel: 20 EDGE REWARD Points / Rs 100 spent at IndianOil outlets; online: 5 EDGE REWARD Points / Rs 100 spent on online shopping; base: 1 EDGE REWARD Point / Rs 100 spent on other eligible retail spends
| Feature | IndianOil HDFC Bank Credit Card | INDIANOIL AXIS BANK Credit Card |
|---|---|---|
| Issuer | HDFC Bank | Axis Bank |
| Network | Visa, RuPay | RuPay, Visa |
| Joining fee | Rs 500 | Rs 500 |
| Annual fee | Rs 500 | Rs 500 |
| Fee waiver spend | Rs 50,000 | Rs 3,50,000 |
| Reward type | fuel points | edge reward points |
| Best for | fuel, groceries, bill payments | fuel, indianoil, online shopping, movies, upi |
| Top reward categories | Fuel spends at IndianOil outlets: 5 Fuel Points / Rs 100 spent; Grocery spends: 5 Fuel Points / Rs 100 spent; Utility & Bill Payments: 5 Fuel Points / Rs 100 spent | fuel: 20 EDGE REWARD Points / Rs 100 spent at IndianOil outlets; online: 5 EDGE REWARD Points / Rs 100 spent on online shopping; base: 1 EDGE REWARD Point / Rs 100 spent on other eligible retail spends |
| SmartBuy / accelerated caps | Not listed | Not listed |
| Domestic lounge | 0 | 0 |
| International lounge | 0 | 0 |
| Forex markup | 3.5% | 3.5% |
| Milestone benefits | Not listed | Not listed |
| Redemption | Statement credit: upto Rs 0.2 per point | Statement credit: upto Rs 0.2 per point |
| Key exclusions | fuel transactions at non-IndianOil petrol pumps, wallet loading, returned purchases, disputed or fraudulent transactions, EMI transactions, account fees and payments | Fuel spends at non-IOCL outlets, Rent payments, E-wallet loading transactions, Insurance premium payments, Utilities and telecom spends, Government services spends |