Amex SmartEarn vs HDFC IndianOil Credit Card
Detailed comparison of these two popular credit cards
Amex SmartEarn
American Express
EntryVS
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
₹495 vs ₹500
Effective Rate
(cash value)
0.7% vs 5.0%
Lounge Access
None vs None
Detailed Comparison
| Feature | Amex SmartEarn | HDFC IndianOil Credit Card |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹0 | ₹500 |
| Annual Fee | ₹495 | ₹500 |
| Fee Waiver | Spend ₹40K annually | Spend ₹50K annually |
| Forex Markup | - | - |
Rewards | ||
| Reward Type | ⭐Reward Points | ⛽Fuel Points |
| Effective Cash Value | 0.7% | 5% |
Lounge Access | ||
| Domestic Lounges | None | None |
| Priority Pass | - | - |
Eligibility | ||
| Min. Income | ₹4.5L | ₹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: 21vsScore: 64
