IndianOil HDFC Bank Credit Card vs Adani One ICICI Bank Platinum Credit Card
HDFC Bank · ICICI Bank — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
HDFC BankScoreVery Good
Annual Fee₹500
Max Reward5%
ScoreVery Good
Annual Fee₹750
Max Reward3%
IndianOil HDFC Bank Credit Card leads overall with a CardCheck Score of 74/100 (+2 pts over Adani One ICICI Bank Platinum Credit Card).
4-Pillar Head-to-Head Breakdown
IndianOil vs AdaniReward Power
35%IndianOil34/35
Adani27/35
IndianOil Wins
Fee Value & ROI
25%IndianOil24/25
Adani18/25
IndianOil Wins
Lounge & Travel
20%IndianOil4/20
Adani15/20
Adani Wins
Forex & Access
20%IndianOil12/20
Adani12/20
Tie (12/20)
01—CardCheck Score & Pillars
- CardCheck Score
- 74Best
- 72
- Rating Verdict
- Very Good
- Very Good
- Reward Power (35%)
- 34/35
- 27/35
- Fee Value & ROI (25%)
- 24/25
- 18/25
- Lounge & Travel (20%)
- 4/20
- 15/20
- Forex & Access (20%)
- 12/20
- 12/20
02—Basic Info
- Bank
- HDFC Bank
- ICICI Bank
- Network
- RuPay
- Visa
- Card type
- Co-branded
- Co-branded
- Best for
- IndianOil fuel buyers — maximum savings at IOCL pumps
- Adani One travel bookings — flights, hotels & Adani properties
03—Fees
- Joining fee
- ₹500Best
- ₹750
- Annual fee
- ₹500Best
- ₹750
- Fee waiver
- ₹50,000Best
- ₹3,00,000
- Interest-free days
- 50
- 50
04—Interest
- APR (min)
- 42%Best
- 45%
- APR (max)
- 42%Best
- 45%
- Late payment fee
- ₹1,300
- ₹1,200Best
- Cash advance fee
- 2.5%
- 2.5%
05—Rewards
- Reward type
- points
- points
- Min rate
- 0.64%Best
- 0.5%
- Max rate
- 5%Best
- 3%
- Points / ₹100
- 0.67
- 1Best
- Point value
- ₹0.96
- —
- Monthly cap
- ₹450
- —
06—Travel & Lounge
- Domestic lounge / qtr
- 0
- 2Best
- Lounge spend criteria
- —
- No spend condition
- Intl lounge / year
- 0
- —
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 3.5%
- 3.5%
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min income / month
- ₹12,000
- ₹20,000
- Invite only
Rows won
08of 11
03of 11
| Attribute ↓ | ||
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 74Best | 72 |
| Rating Verdict | Very Good | Very Good |
| Reward Power (35%) | 34/35 | 27/35 |
| Fee Value & ROI (25%) | 24/25 | 18/25 |
| Lounge & Travel (20%) | 4/20 | 15/20 |
| Forex & Access (20%) | 12/20 | 12/20 |
02—Basic Info Differences highlighted | ||
| Bank | HDFC Bank | ICICI Bank |
| Network | RuPay | Visa |
| Card type | Co-branded | Co-branded |
| Best for | IndianOil fuel buyers — maximum savings at IOCL pumps | Adani One travel bookings — flights, hotels & Adani properties |
03—Fees Differences highlighted | ||
| Joining fee | ₹500Best | ₹750 |
| Annual fee | ₹500Best | ₹750 |
| Fee waiver | ₹50,000Best | ₹3,00,000 |
| Interest-free days | 50 | 50 |
04—Interest Differences highlighted | ||
| APR (min) | 42%Best | 45% |
| APR (max) | 42%Best | 45% |
| Late payment fee | ₹1,300 | ₹1,200Best |
| Cash advance fee | 2.5% | 2.5% |
05—Rewards Differences highlighted | ||
| Reward type | points | points |
| Min rate | 0.64%Best | 0.5% |
| Max rate | 5%Best | 3% |
| Points / ₹100 | 0.67 | 1Best |
| Point value | ₹0.96 | — |
| Monthly cap | ₹450 | — |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 0 | 2Best |
| Lounge spend criteria | — | No spend condition |
| Intl lounge / year | 0 | — |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 3.5% | 3.5% |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min income / month | ₹12,000 | ₹20,000 |
| Invite only | ||
| Rows won | 08of 11 | 03of 11 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | IndianOil HDFC Bank Credit Card | Adani One ICICI Bank Platinum Credit Card |
|---|---|---|
| CardCheck Score | 74/100Very Good | 72/100Very Good |
| Annual Fee | ₹500 | ₹750 |
| Fee Waiver Spend | ₹50,000/yr | ₹3L/yr |
| Max Reward Potential | 5% | 3% |
| Domestic Lounge Access | None | 2 / quarter |
| International Lounge | None | None |
| Forex Markup Fee | 3.5% | 3.5% |
Choose IndianOil HDFC Bank Credit Card if:
Your spending centers around indianoil fuel buyers — maximum savings at iocl pumps and you want direct partner rewards with HDFC Bank.
Choose Adani One ICICI Bank Platinum Credit Card if:
Your spending aligns with adani one travel bookings — flights, hotels & adani properties and you prioritize ICICI Bank's redemption benefits.
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Frequently asked questions: IndianOil HDFC Bank Credit Card vs Adani One ICICI Bank Platinum Credit Card
- Which is better: IndianOil HDFC Bank Credit Card or Adani One ICICI Bank Platinum Credit Card?
- IndianOil HDFC Bank Credit Card holds a higher overall rating with a CardCheck Score of 74/100 (Very Good) compared to 72/100 (Very Good) for Adani One ICICI Bank Platinum Credit Card (a lead of +2 points). IndianOil HDFC Bank Credit Card gains its scoring lead primarily through reward potential (34 vs 27) and fee value & ROI (24 vs 18) while tying on forex & terms.
- How do annual fees and fee waiver spend rules compare?
- IndianOil HDFC Bank Credit Card charges an annual fee of ₹500 with an annual spend threshold of ₹50,000 for renewal fee waiver. In comparison, Adani One ICICI Bank Platinum Credit Card charges an annual fee of ₹750 with an annual spend threshold of ₹3 Lakh.
- How do the reward rates and cashback compare between IndianOil HDFC Bank Credit Card and Adani One ICICI Bank Platinum Credit Card?
- IndianOil HDFC Bank Credit Card offers a base reward rate of 0.64% and up to 5% on accelerated partner categories. Meanwhile, Adani One ICICI Bank Platinum Credit Card offers a base rate of 0.5% and up to 3% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: IndianOil HDFC Bank Credit Card or Adani One ICICI Bank Platinum Credit Card?
- IndianOil HDFC Bank Credit Card provides no complimentary airport lounge access. On the other hand, Adani One ICICI Bank Platinum Credit Card provides 2 complimentary domestic lounge visits per quarter (8/year).
- Which card is better for international foreign currency spends?
- IndianOil HDFC Bank Credit Card levies a foreign currency markup fee of 3.5%, while Adani One ICICI Bank Platinum Credit Card charges 3.5%. Lower forex markup directly reduces costs when transacting overseas or on international e-commerce platforms.
- Is CardCheck's comparison data unbiased and verified against official bank MITC?
- Yes. All credit card fees, interest rates, lounge visit quotas, and reward calculations on CardCheck are 100% unsponsored and verified directly against each bank's official Most Important Terms & Conditions (MITC).