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

In the diverse landscape of HDFC Bank credit cards, the comparison between the HDFC IndianOil Credit Card and the HDFC Moneyback Credit Card emerges as a pivotal choice for individuals seeking optimized financial benefits.

The HDFC IndianOil Credit Card is tailored for those prioritizing fuel expenditures, offering exclusive benefits such as fuel surcharge waivers, accelerated rewards on fuel transactions, and additional discounts at IndianOil outlets.

In contrast, the HDFC Moneyback Credit Card is celebrated for its versatile cashback rewards, providing a percentage of the amount spent, particularly on everyday expenses.

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

Whether you prioritize savings on fuel expenses or seek instant cashback on routine transactions, understanding the nuanced features of these HDFC credit cards will guide you towards the one that seamlessly aligns with your financial goals and individual aspirations.

Overview of IndianOil HDFC Bank Credit Card

Utilizing the fuel points earned through purchases enables you to receive up to 50 liters of complimentary fuel annually.

Additionally, the card provides a membership to the IndianOil XTRAREWARDS Program (IXRP), allowing you to redeem your fuel points at an attractive rate of 1 FP = Re. 0.96. This rate is highly favourable.

In addition to fuel, your accumulated points can be redeemed for products, vouchers, and various other categories. The card does come with a nominal joining fee of Rs 500, but this fee can be waived if you spend Rs 20,000 within the first 90 days of card issuance.

Overview of Moneyback Credit Card

Every year, upon payment of the joining or renewal fee, you are entitled to a welcome and renewal benefit of 500 Cash points. Additionally, the renewal fee may be waived based on your annual expenditures.

This card presents 4 Reward Points for every Rs. 150 spent online and 2 Reward Points for every Rs. 150 spent on other categories.

The earned reward points can be utilized for cashback, SmartBuy flight/hotel bookings, and a variety of products/vouchers. Furthermore, you have the opportunity to earn gift vouchers every quarter based on your spending during that quarter.

HDFC Indianoil vs Moneyback Credit Card

Features/Charges	IndianOil HDFC Bank Credit Card	HDFC Moneyback Credit Card
Joining Fees	Rs. 500	Rs 500
Annual Fees	Rs. 500	Rs 500
Welcome Benefits	N/A	Settling the membership fee earns you a welcome benefit of 500 Cash Points.
Cashback / Rewards point	When you make purchases at IndianOil outlets, groceries, and bill payments, earn 5% of your spending as Fuel Points. Additionally, for every Rs. 150 spent on other transactions, accumulate 1 Fuel Point. The credit card offers a commendable reward rate of up to 4.8%, making it an excellent option for fuel-related and everyday expenses.	For every Rs 150 spent online, you’ll receive 4 Reward Points, while 2 Reward Points are earned on other types of spending.
Dining benefits	This card offers a fivefold boost in reward points specifically for dining expenditures.	Get discounts of up to 20% on your restaurant expenditures through Swiggy Dineout.
Travel benefits	N/A	N/A
Annual fees waiver	Exemption from the annual fee is granted when the annual card spending goes beyond Rs. 1,50,000.	The annual fee becomes void if your spending in the preceding year is Rs. 50,000 or beyond.
Fuel surcharge waiver	Use this card when making transactions at all fuel stations in India and receive a 1% fuel surcharge waiver, applicable for transactions amounting to Rs. 4000 or more.	For all fuel transactions, the 1% fuel surcharge is lifted.