HDFC IndianOil Credit Card vs Scapia Federal Credit Card
Detailed comparison of these two popular credit cards
HDFC IndianOil Credit Card
HDFC Bank
Mid-RangeVS
Winner
Scapia Federal Credit Card
Federal 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 2.0%
Lounge Access
None vs Unlimited
Detailed Comparison
| Feature | HDFC IndianOil Credit Card | Scapia Federal Credit Card |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹500 | FREE |
| Annual Fee | ₹500 | FREE |
| Fee Waiver | Spend ₹50K annually | None |
| Forex Markup | - | 0% |
Rewards | ||
| Reward Type | ⛽Fuel Points | ⭐Reward Points |
| Effective Cash Value | 5% | 2% |
Lounge Access | ||
| Domestic Lounges | None | Unlimited |
| 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)
Scapia Federal Credit Card is Best For
Best zero forex + zero fee travel card
Watch Out
- • No international lounge access
- • No rewards on international spends
Our Verdict
Based on overall features and value,
Scapia Federal Credit Card wins!
Score: 64vsScore: 73
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 Gold
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