IndianOil HDFC Bank Credit Card vs Kotak Biz Credit Card

• Gain up to 50 Litres of Free fuel annually 
• Gain 5% of your spending as Fuel Points at IndianOil outlets (Max 250 Fuel Points per month in the first 6 months, and 150 Fuel Points per month after 6 months from card issuance)                          
• Get 5% Fuel Points on Groceries and Bill Payments. Each category has a maximum of 100 Fuel Points per month.
• Avail 1 Fuel Point for every Rs. 150 spent on all other purchases, including UPI transactions
• Complimentary IndianOil XTRAREWARDSTM Program (IXRP) membership
• Enjoy Revolving Credit at a nominal interest rate
• Zero Lost card liability 
• Up to 50 days of interest-free period on the IndianOil HDFC Bank Credit Card from the date of purchase 
• 1% fuel surcharge waiver at all fuel stations across India on minimum transaction of Rs. 400. Maximum CashBack of Rs. 250 per statement cycle
• Spend Rs. 50,000 and above in the first year and get a waiver on the renewal membership fee 
• With the IndianOil HDFC Bank Credit Card, you can convert big purchases into EMI after the transaction
• IndianOil HDFC Bank Credit Card is enabled for contactless payments
• Earn Fuel Points on retail spends 
• Acquire accelerated 5% Fuel Points on spends done at IndianOil outlets, Groceries and Bill payments. Please note that the benefit of accelerated 5% Fuel Points will only apply to fuel transactions made at IndianOil Retail Outlets

• Avail 4 reward points for every Rs. 100 on categories like Travel and Tour Operators & Domestic Airlines, Direct Marketing/Advertising services, Supermarket, Lodging – Hotels, Motels, Resorts
• Avail 1 reward points for every Rs. 100 on all other spends 
• 1 complimentary airport lounge access per calendar quarter to Visa affiliated lounges across Indian airports. Enjoy benefits such as gourmet meal, comfortable seating, widescreen TVs, newspaper and magazines, free Wi-Fi
• Get 1% on transaction fuel surcharge will be waived for transactions made between Rs. 500 - Rs. 3000
• One can also save railway surcharge of 1.8% for transactions on www.irtc.co.in and 2.5% for transactions on Indian Railways Booking Counters. Maximum railway surcharge waiver allowed in a calendar year is Rs. 500
• Travel Insurance programme includes the following:

A. Card Liability Cover (Lost Card Liability, Counterfeit/Skimming/Phishing and Online Fraud Protection)- Sum Insured is Rs. 50,000

B. Purchase Protection - Sum Insured is Rs. 25,000

C. Loss of Checked in Baggage / Delay of Checked in Baggage / Valuable Documents Cover / Missing of Connecting International Flight During Transit - Sum Insured is Rs. 10,000

• Safety features of the card includes being embedded with EMV Chip and setting a 6-digit PIN authentication for higher security of your transactions
• Interest free period: Up to 48 days

Pros

• Gain up to 50 Litres of Free fuel annually 
• Gain 5% of your spending as Fuel Points at IndianOil outlets
• Acquire accelerated 5% Fuel Points on spends done at IndianOil outlets, Groceries and Bill payments

Cons

• No golf benefits are provided
• No international and domestic airport lounge access

Pros

• Avail 4 reward points for every Rs. 100 on categories like Travel and Tour Operators & Domestic Airlines, Direct Marketing/Advertising services, Supermarket, Lodging – Hotels, Motels, Resorts
• Avail 1 reward points for every Rs. 100 on all other spends 
• 1 complimentary airport lounge access per calendar quarter to Visa affiliated lounges across Indian airports

Cons

• No dinning or movie benefits
• No Golf Benefits
• No cashback benefits