HDFC IndianOil Credit Card vs HDFC Regalia Gold
Detailed comparison of these two popular credit cards
Winner
HDFC IndianOil Credit Card
HDFC Bank
Mid-RangeVS
HDFC Regalia Gold
HDFC Bank
Premium*
Different Reward Types
Card 1 gives ⛽ Fuel Points while Card 2 gives ⭐ Reward Points. We're showing effective cash values for fair comparison.
Annual Fee
₹500 vs ₹3K
Effective Rate
(cash value)
5.0% vs 1.3%
Lounge Access
None vs 12/year
Detailed Comparison
| Feature | HDFC IndianOil Credit Card | HDFC Regalia Gold |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹500 | ₹3K |
| Annual Fee | ₹500 | ₹3K |
| Fee Waiver | Spend ₹50K annually | Spend ₹4L annually |
| Forex Markup | - | 2% |
Rewards | ||
| Reward Type | ⛽Fuel Points | ⭐Reward Points |
| Effective Cash Value | 5% | 1.33% |
Lounge Access | ||
| Domestic Lounges | None | 12/year |
| Priority Pass | - | Yes |
Eligibility | ||
| Min. Income | ₹3.0L | ₹12.0L |
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)
HDFC Regalia Gold is Best For
Mid-tier spenders wanting lounge access
Watch Out
- • Devalued from original Regalia benefits
Our Verdict
Based on overall features and value,
HDFC IndianOil Credit Card wins!
Score: 64vsScore: 51
Related Comparisons
HDFC IndianOil Credit Card vs HDFC Infinia Metal
HDFC Bank
HDFC IndianOil Credit Card vs HDFC Diners Club Black
HDFC Bank
HDFC IndianOil Credit Card vs HDFC Regalia
HDFC Bank
HDFC IndianOil Credit Card vs HDFC Millennia
HDFC Bank
HDFC IndianOil Credit Card vs HDFC Swiggy Credit Card
HDFC Bank
HDFC IndianOil Credit Card vs HDFC Tata Neu Infinity
HDFC Bank