Check below for a comparison between HDFC Indianoil vs Citi Indianoil Credit Card or Citi Indianoil Credit Card vs HDFC Indianoil and find which is better –

In the realm of credit cards tailored for fuel-focused benefits, the comparison between the HDFC IndianOil Credit Card and the Citi IndianOil Credit Card becomes a crucial decision for individuals seeking optimized savings on fuel expenditures.

The HDFC IndianOil Credit Card, designed in collaboration with IndianOil, offers exclusive perks such as fuel surcharge waivers, accelerated rewards on fuel transactions, and additional discounts at IndianOil outlets.

Conversely, the Citi IndianOil Credit Card presents a compelling choice with its unique fuel benefits, including cashback on fuel spending, making it an ideal companion for those prioritizing savings at the pump.

This comprehensive analysis navigates through the distinctive features of each card, empowering users to make an informed decision based on their specific fuel spending patterns, preferences, and lifestyle choices.

Whether you prioritize discounts at specific fuel stations or seek versatile fuel-centric benefits, understanding the nuanced features of these credit cards will guide you toward the one that seamlessly aligns with your financial goals and individual aspirations.

Overview of IndianOil HDFC Bank Credit Card

Through the accumulation of fuel points from your purchases, you can enjoy up to 50 litres of complimentary fuel each year.

The associated IndianOil XTRAREWARDS Program (IXRP) membership allows you to redeem fuel points at an appealing rate of 1 FP = Re. 0.96. This redemption rate is notably advantageous.

Beyond fuel, your earned points have versatile uses, including redemption for products, vouchers, and various other categories.

While the card does have a nominal joining fee of Rs 500, this fee can be waived if you spend Rs 20,000 within the initial 90 days of card issuance.

Overview of Citi Indianoil Credit Card

The collaborative effort of Citibank and Indian Oil Corporation Limited (IOCL) resulted in the IndianOil Citi Credit Card, a co-branded credit card.

Crafted to cater to fuel and associated expenditures, this credit card ensures customers enjoy exclusive benefits and rewards.

Beyond earning reward points on fuel acquisitions, users can also accumulate points from various other card transactions.

These accrued points open the door to redeemable options, including fuel vouchers and a range of enticing rewards.

HDFC Indianoil vs Citi Indianoil Credit Card

Features/Charges	IndianOil HDFC Bank Credit Card	Citi Indianoil Credit Card
Joining Fees	Rs. 500	Rs. 1,000
Annual Fees	Rs. 500	Rs. 1,000
Welcome Benefits	N/A	Upon activating the card, a welcoming perk awaits you in the form of 250 Turbo Points.
Cashback / Rewards point	Obtain 5% of your spending as Fuel Points when you make purchases at IndianOil outlets, as well as on groceries and bill payments. Furthermore, earn 1 Fuel Point for every Rs. 150 spent on all other transactions. With a potential reward rate of up to 4.8%, this credit card stands out as a highly rewarding choice for fuel and day-to-day spending.	Earn 1 Turbo Point for each Rs. 150 expended, receive 2 Turbo Points for every Rs. 150 spent at supermarkets, and acquire 4 Turbo Points whenever you invest Rs. 150 in fuel.
Dining benefits	Increase your reward points for dining by a factor of five with the utilization of this card.	Enjoy dining out with discounts of up to 20% at numerous participating restaurants.
Travel benefits	N/A	N/A
Annual fees waiver	Should your yearly expenditure on this card go over Rs. 1,50,000, the annual fee will not be applicable.	Qualify for an annual fee waiver by spending Rs. 30,000 or more in the previous year.
Fuel surcharge waiver	Conduct transactions at all fuel stations in India using this card and enjoy a 1% fuel surcharge waiver, applicable on transactions exceeding Rs. 4000.	Enjoy the exemption of a 1% fuel surcharge at any IndianOil outlet nationwide when using this credit card at all fuel stations in India.

HDFC Indianoil vs Citi Indianoil Credit Card-*terms and conditions are applied for every credit card offer, kindly check the official website of HDFC Bank and Citi Bank