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| Feature | HDFC Bank IndianOil HDFC Bank Credit Card | Axis Bank IndianOil Axis Bank Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | HDFC Bank | Axis Bank |
| Network | RuPay | RuPay |
| Annual fee | ₹500 + GST per year | ₹500 + GST per year |
| Annual fee waiver | At ₹50,000 annual spending | At ₹3,50,000 annual spending |
| Base reward rate | 0.6% | 0.2% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Bills & utilities | 4.8% · Bill-payment Fuel Points | Excluded |
| Groceries & essentials | 4.8% · Grocery Fuel Points | 0.2% · Other eligible EDGE rewards |
| Online shopping | 0.6% · Other retail Fuel Points | 1% · Online shopping rewards |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | No general cap recorded | No general cap recorded |
| RuPay credit card on UPI | Eligible for merchant UPI payments | Eligible for merchant UPI payments |
| Airport lounge access | No complimentary airport lounge access recorded | No complimentary airport lounge access recorded |
| Forex markup | 3.5% | 3.5% |
| Monthly income requirement | Approx. ₹12,000/month salaried · ₹50,000/month self-employed | Not listed |
| Terms verified | 13 Sept 2026 | 13 Sept 2026 |
| Best suited to | IndianOil customers who also want reward coverage on groceries and utility bills. | Budget-conscious IndianOil customers who also want a RuPay card for merchant UPI payments. |
| Main trade-off | The eligible IndianOil fuel earn is capped at 150 points per month after the first six months; accelerated fuel rewards do not apply to UPI fuel transactions. | Rewards outside IndianOil fuel spend are minimal; keep this strictly as a fuel-station card. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
