BOB Select Credit Card vs HDFC IndianOil Credit Card
Detailed comparison of these two popular credit cards
BOB Select Credit Card
Bank of Baroda
Mid-RangeVS
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
₹500 vs ₹500
Effective Rate
(cash value)
0.3% vs 5.0%
Lounge Access
None vs None
Detailed Comparison
| Feature | BOB Select Credit Card | HDFC IndianOil Credit Card |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹500 | ₹500 |
| Annual Fee | ₹500 | ₹500 |
| Fee Waiver | Spend ₹75K annually | Spend ₹50K annually |
| Forex Markup | - | - |
Rewards | ||
| Reward Type | ⭐Reward Points | ⛽Fuel Points |
| Effective Cash Value | 0.25% | 5% |
Lounge Access | ||
| Domestic Lounges | None | None |
| Priority Pass | - | - |
Eligibility | ||
| Min. Income | ₹3.6L | ₹3.0L |
BOB Select Credit Card is Best For
Mid-tier BOB card with bonus categories
View BOB Select Credit Card DetailsHDFC 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: 15vsScore: 64
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