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
RBL Bank ShopRite Credit Card
Rs 500Annual fee
Rs 1,50,000Fee waiver spend
0Domestic lounge
3.5%Forex markup
Best for
grocery, movies, fuel, entry level
Top rewards
Grocery spends: 20 Reward Points / Rs 100 spent; Other eligible retail spends: 1 Reward Point / Rs 100 spent
| Feature | IndianOil HDFC Bank Credit Card | RBL Bank ShopRite Credit Card |
|---|---|---|
| Issuer | HDFC Bank | RBL Bank |
| Network | Visa, RuPay | Visa, Mastercard |
| Joining fee | Rs 500 | Rs 500 |
| Annual fee | Rs 500 | Rs 500 |
| Fee waiver spend | Rs 50,000 | Rs 1,50,000 |
| Reward type | fuel points | reward points |
| Best for | fuel, groceries, bill payments | grocery, movies, fuel, entry level |
| 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 | Grocery spends: 20 Reward Points / Rs 100 spent; Other eligible retail spends: 1 Reward Point / Rs 100 spent |
| 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 | Annual fee waiver on spends of ₹1.5 Lakhs in the previous membership year |
| Redemption | Statement credit: upto Rs 0.2 per point | Statement credit: upto Rs 0.25 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 transactions, Cash advance transactions, EMI transactions, E-wallet loading transactions |