HDFC IndianOil Credit Card vs IRCTC SBI Card Premier
Detailed comparison of these two popular credit cards
Winner
HDFC IndianOil Credit Card
HDFC Bank
Mid-RangeVS
IRCTC SBI Card Premier
SBI Card
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 ₹1K
Effective Rate
(cash value)
5.0% vs 0.8%
Lounge Access
None vs None
Detailed Comparison
| Feature | HDFC IndianOil Credit Card | IRCTC SBI Card Premier |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹500 | ₹1K |
| Annual Fee | ₹500 | ₹1K |
| Fee Waiver | Spend ₹50K annually | Spend ₹2L annually |
| Forex Markup | - | - |
Rewards | ||
| Reward Type | ⛽Fuel Points | ⭐Reward Points |
| Effective Cash Value | 5% | 0.8% |
Lounge Access | ||
| Domestic Lounges | None | None |
| Priority Pass | - | - |
Eligibility | ||
| Min. Income | ₹3.0L | ₹4.0L |
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)
IRCTC SBI Card Premier is Best For
Frequent train travelers (AC class)
Watch Out
- • Peak season (Apr-Jul, Sep-Jan) only 4% value back
- • Rail/Air insurance discontinued Jul 2025
Our Verdict
Based on overall features and value,
HDFC IndianOil Credit Card wins!
Score: 64vsScore: 23
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