Refpo Credit Cards
Best Credit Cards
Browse credit cards added by Refpo, compare fees and rewards, and review source-backed details before applying.
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| Field | HDFC Diners Club Black METAL Credit Card | IndianOil RBL Bank XTRA Credit Card |
|---|---|---|
| Bank/provider | HDFC Bank | RBL Bank |
| Joining fee | ₹10,000/- plus Applicable Taxes | ₹1,500 + GST |
| Renewal fee | ₹10,000/- plus Applicable Taxes | ₹1,500 + GST |
| Best for | Luxury travel, airport lounge access, and maximum reward points on high spending. | Daily commuters and car/bike owners with high monthly fuel expenses, Users who regularly refuel at IndianOil (IOCL) petrol pumps, People wanting maximum savings on fuel rather than travel/lifestyle perks, Users spending ₹8,000–₹15,000+ monthly on petrol/diesel, Redeeming rewards as Fuel Points for future fuel purchases. |
| Reward rate | Base rewards: 5 Reward Points per ₹150 spent (~3.3% value back), SmartBuy bookings: Up to 10X rewards on hotels/flights, Weekend dining: 2X reward points. | 15 Fuel Points per ₹100 spent at IndianOil fuel stations, Effective value-back: 7.5% Plus 1% fuel surcharge waiver = total up to 8.5% savings on fuel; 2 Fuel Points per ₹100 on other eligible retail spends; 1 Fuel Point = ₹0.50 when redeemed at IndianOil outlets/fuel vouchers. |
| Cashback | Cashback redemption value: around ₹0.30 per point against statement balance. | •Up to 250 litres of free petrol annually. |
| Lounge access | Unlimited lounge access to 1,300+ lounges in India and abroad for primary and add-on card members. | No lounge access. |
| Fuel surcharge waiver | 1% waiver at fuel stations across India on transactions above ₹400, with a maximum waiver of ₹1,000 per statement cycle. | 1% fuel surcharge waiver: •Valid on fuel transactions between ₹500 and ₹4,000. •Maximum waiver: ₹200 per month •Applicable mainly at IndianOil fuel stations. |
| Welcome benefit | Annual memberships of Club Marriott, Amazon Prime and Swiggy One on 1.5 Lakh spends in first 90 days. | Get 3,000 Fuel Points (worth about ₹1,500) after paying the joining fee and completing the first eligible transaction within 30 days. |
| Annual fee waiver condition | Spend ₹ 8 lakh in 12 Months and get Renewal Fee waived for next renewal year. | Annual fee is waived on spending ₹2.75 lakh or more in a year. |
| Eligibility | •Age: 21–60 years (salaried), 21–65 years (self-employed) •Salaried income: ₹2.5 lakh+ net monthly income •Self-employed: ₹30 lakh+ annual ITR •Good credit score and strong repayment history required. | •Salaried Applicants: Age: 21–65 years Stable income source Good credit score preferred (usually 750+ improves approval chances). •Self-Employed Applicants: Age: 25–65 years Regular business income and valid income proof required. •Indian resident citizen. •Valid PAN and Aadhaar. •Good repayment history and credit profile. |
| Apply link | Apply | Apply |
FAQs
Common questions
How do I choose the best credit card?
Choose a credit card based on your main spending pattern, annual fees, joining benefits, reward value, eligibility, and any waiver conditions. A card is usually best when its benefits are worth more than its fees for your actual usage.
Which credit card is best for beginners?
Beginners usually benefit from low-fee or lifetime-free cards with simple cashback, easy eligibility, and clear reward redemption rules.
What is the difference between joining fees and renewal fees?
Joining fees are charged when the card is issued. Renewal fees are charged every year after that, unless the bank waives them based on spending or a card-specific offer.
Are lifetime-free credit cards really free?
Lifetime-free cards generally do not charge joining or annual renewal fees, but other charges such as interest, late payment fees, cash withdrawal fees, or forex markup may still apply.
Does applying for a credit card affect my credit score?
A credit card application can create a hard enquiry on your credit report. One enquiry usually has a small impact, but many applications in a short period can affect approval chances.
How should I use a credit card safely?
Pay the full bill before the due date, avoid cash withdrawals, keep credit utilization low, review fees before applying, and use the card mainly for planned purchases.