HDFC IndianOil Credit Card vs PNB RuPay Platinum
Detailed comparison of these two popular credit cards
Winner
HDFC IndianOil Credit Card
HDFC Bank
Mid-RangeVS
PNB RuPay Platinum
Punjab National 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 ₹499
Effective Rate
(cash value)
5.0% vs 0.5%
Lounge Access
None vs 2/quarter
Detailed Comparison
| Feature | HDFC IndianOil Credit Card | PNB RuPay Platinum |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹500 | ₹0 |
| Annual Fee | ₹500 | ₹499 |
| Fee Waiver | Spend ₹50K annually | Spend ₹50K annually |
| Forex Markup | - | - |
Rewards | ||
| Reward Type | ⛽Fuel Points | ⭐Reward Points |
| Effective Cash Value | 5% | 0.5% |
Lounge Access | ||
| Domestic Lounges | None | 2/quarter |
| Priority Pass | - | - |
Eligibility | ||
| Min. Income | ₹3.0L | ₹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)
PNB RuPay Platinum is Best For
PSU bank customers wanting RuPay benefits
View PNB RuPay Platinum DetailsOur Verdict
Based on overall features and value,
HDFC IndianOil Credit Card wins!
Score: 64vsScore: 19
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