Amex Platinum Reserve vs HDFC IndianOil Credit Card
Detailed comparison of these two popular credit cards
Amex Platinum Reserve
American Express
Super PremiumVS
Winner
HDFC IndianOil Credit Card
HDFC Bank
Mid-Range*
Different Reward Types
Card 1 gives ⭐ Reward Points while Card 2 gives ⛽ Fuel Points. We're showing effective cash values for fair comparison.
Annual Fee
₹10K vs ₹500
Effective Rate
(cash value)
0.7% vs 5.0%
Lounge Access
4/year vs None
Detailed Comparison
| Feature | Amex Platinum Reserve | HDFC IndianOil Credit Card |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹5K | ₹500 |
| Annual Fee | ₹10K | ₹500 |
| Fee Waiver | None | Spend ₹50K annually |
| Forex Markup | 3.5% | - |
Rewards | ||
| Reward Type | ⭐Reward Points | ⛽Fuel Points |
| Effective Cash Value | 0.7% | 5% |
Lounge Access | ||
| Domestic Lounges | 4/year | None |
| Priority Pass | - | - |
Eligibility | ||
| Min. Income | ₹12.0L | ₹3.0L |
HDFC IndianOil Credit Card is Best For
IndianOil loyalists spending ₹5K/month on fuel
Watch Out
- • Only works at IndianOil pumps
- • Max benefit ₹250/month (effective ~0.5% on ₹50K fuel spend)
Our Verdict
Based on overall features and value,
HDFC IndianOil Credit Card wins!
Score: 25vsScore: 64
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