HDFC IndianOil Credit Card vs IDFC FIRST Select
Detailed comparison of these two popular credit cards
Winner
HDFC IndianOil Credit Card
HDFC Bank
Mid-RangeVS
IDFC FIRST Select
IDFC FIRST Bank
Mid-Range*
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 FREE
Effective Rate
(cash value)
5.0% vs 0.8%
Lounge Access
None vs 1/quarter (₹20K spend required from Apr 2026)
Detailed Comparison
| Feature | HDFC IndianOil Credit Card | IDFC FIRST Select |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹500 | FREE |
| Annual Fee | ₹500 | FREE |
| Fee Waiver | Spend ₹50K annually | None |
| Forex Markup | - | 1.99% |
Rewards | ||
| Reward Type | ⛽Fuel Points | ⭐Reward Points |
| Effective Cash Value | 5% | 0.75% |
Lounge Access | ||
| Domestic Lounges | None | 1/quarter (₹20K spend required from Apr 2026) |
| Priority Pass | - | - |
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)
IDFC FIRST Select is Best For
Best lifetime free card overall
Watch Out
- • Rewards reduced by 25% from 2026
- • Lounge access requires ₹20K spend from Apr 2026
Our Verdict
Based on overall features and value,
HDFC IndianOil Credit Card wins!
Score: 64vsScore: 41
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