Axis IndianOil RuPay Credit Card vs HDFC IndianOil Credit Card: Which Is Better?

IndianOil RuPay vs HDFC IndianOil Credit Card: Which Is Better?

Compare Axis IndianOil RuPay Credit Card vs HDFC IndianOil Credit Card on fuel rewards, fees, annual waiver, UPI, benefits and reward caps. Find out which card is better for you.

If you regularly spend money on petrol, choosing the right fuel credit card can help you earn rewards on expenses that you make every month anyway.

Two popular options for IndianOil customers are the IndianOil Axis Bank RuPay Credit Card and the IndianOil HDFC Bank Credit Card. Both cards offer rewards on IndianOil fuel purchases, but their fee-waiver requirements, reward structures, additional categories and payment-network benefits are different.

So, which one is better?

The answer depends largely on how much you spend on fuel, whether you use UPI, and whether you also want rewards on groceries and utility payments.

In this detailed comparison, we look at the Axis IndianOil RuPay Credit Card vs HDFC IndianOil Credit Card across fees, fuel rewards, surcharge waivers, reward caps, UPI functionality and overall value.

Note: Credit-card fees, reward rates, spending caps and redemption rules can change. Check the latest terms from Axis Bank and HDFC Bank before applying.

 

Axis IndianOil RuPay Credit Card vs HDFC IndianOil Credit Card: Quick Comparison

Feature	Axis IndianOil RuPay Credit Card	HDFC IndianOil Credit Card
Joining Fee	₹500 + applicable taxes	₹500 + applicable taxes
Annual Fee	₹500 + applicable taxes	₹500 + applicable taxes
Fuel Reward	Up to 4% value back at IndianOil	5% Fuel Points at IndianOil
Grocery Rewards	Standard rewards	5% Fuel Points
Utility Rewards	Standard rewards	5% Fuel Points
Fuel Surcharge Waiver	1%, up to ₹50 per statement cycle	1%, up to ₹250 per billing cycle
Annual Fee Waiver	₹3.5 lakh annual spends	₹50,000 annual spends
Card Network	RuPay	Visa/Mastercard, depending on variant
UPI Credit Card Payments	Yes, on eligible transactions	Available on supported UPI transactions
Best For	IndianOil + RuPay/UPI users	Fuel + groceries + utility spending

The most important point is that headline reward rates don't tell the whole story.

HDFC advertises a higher 5% Fuel Point rate on eligible IndianOil fuel purchases, but its fuel rewards are subject to monthly limits. Axis advertises a 4% value-back benefit at IndianOil outlets and offers the additional advantage of being a RuPay card.

Meta Title: Axis IndianOil RuPay vs HDFC IndianOil Credit Card: Which Is Better?

Meta Description: Compare Axis IndianOil RuPay Credit Card vs HDFC IndianOil Credit Card on fuel rewards, fees, annual waiver, UPI, benefits and reward caps. Find out which card is better for you.

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1. Axis IndianOil RuPay Credit Card: Key Features

The IndianOil Axis Bank RuPay Credit Card is designed primarily for people who frequently purchase fuel from IndianOil outlets.

Axis currently advertises 20 EDGE REWARD Points for every ₹100 spent at IndianOil fuel outlets, representing a value back of up to 4%, subject to applicable terms and conditions.

The card also provides a fuel surcharge waiver on eligible transactions.

One of its biggest differentiators is the RuPay network.

Because it is a RuPay credit card, eligible cardholders can link it to supported UPI applications and make credit-card payments through participating merchants.

That makes the Axis card particularly interesting for users who want to combine:

• IndianOil fuel rewards

• Credit-card spending

• RuPay UPI functionality

• Axis Bank card offers

However, there is one important disadvantage: the annual fee waiver requirement is significantly higher than HDFC's.

Axis currently requires ₹3.5 lakh of eligible annual spending for the annual fee waiver.

That makes the card less attractive for someone who spends only occasionally on credit cards.

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2. HDFC IndianOil Credit Card: Key Features

The IndianOil HDFC Bank Credit Card takes a slightly broader approach.

Fuel remains its main category, but the card also targets everyday expenses such as groceries and utility payments.

HDFC currently offers 5% Fuel Points on eligible IndianOil fuel transactions.

However, this benefit comes with a monthly reward cap. HDFC's current terms state that fuel rewards are capped at 250 Fuel Points per month for the first six months and 150 Fuel Points per month after six months.

This is extremely important when comparing the two cards.

A card offering 5% rewards isn't necessarily better than a card offering 4% if the 5% reward is capped at a relatively low amount.

The HDFC card also offers 5% Fuel Points on eligible grocery and utility transactions, subject to applicable monthly limits.

Another major advantage is the annual-fee waiver.

HDFC currently allows the annual fee to be waived when you spend ₹50,000 or more during the relevant year.

For most moderate spenders, this is considerably easier to achieve than Axis's ₹3.5 lakh requirement.

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3. Fuel Rewards: Axis vs HDFC

Fuel rewards are arguably the most important factor in this comparison.

Axis IndianOil RuPay

Axis advertises up to 4% value back on eligible IndianOil fuel purchases.

For example, if you spend ₹5,000 a month on eligible IndianOil fuel purchases, your annual fuel expenditure would be:

₹5,000 × 12 = ₹60,000

At a theoretical 4% value back:

₹60,000 × 4% = ₹2,400

Actual rewards can vary based on transaction eligibility, reward-point valuation and applicable limits.

HDFC IndianOil

HDFC advertises 5% Fuel Points on IndianOil fuel purchases.

However, the monthly reward cap becomes important for higher fuel spenders.

After the introductory period, HDFC currently caps IndianOil fuel rewards at 150 Fuel Points per month.

Therefore, someone spending a large amount on fuel should not simply multiply 5% by their annual fuel expenditure.

Fuel rewards winner

For low-to-moderate IndianOil fuel spending: HDFC has an attractive headline rate.

For higher spending: calculate the actual reward after applying the monthly cap.

This is one area where readers should avoid comparing only "5% vs 4%".

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4. Fuel Surcharge Waiver

A fuel surcharge waiver is another benefit worth considering.

The Axis IndianOil RuPay Credit Card provides a 1% fuel surcharge waiver, currently subject to a maximum of ₹50 per statement cycle and other transaction conditions.

HDFC also offers a 1% fuel surcharge waiver, with a maximum of ₹250 per billing cycle under its current terms.

This means HDFC has the higher maximum surcharge-waiver benefit.

However, the difference may not be significant for someone whose monthly fuel spending is relatively low.

Winner: HDFC

For users who regularly make larger eligible fuel purchases, HDFC's higher surcharge-waiver ceiling is an advantage.

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5. Grocery and Utility Benefits

This is where the HDFC IndianOil Credit Card stands out.

HDFC offers 5% Fuel Points on eligible grocery and utility transactions, subject to the applicable monthly caps.

This effectively makes the card more of an everyday-spending card rather than a fuel-only card.

For example, a household that uses the credit card for:

• Grocery shopping

• Electricity bills

• Mobile bills

• Other eligible utility payments

• IndianOil fuel

can potentially extract more overall value from the HDFC card.

The Axis card's accelerated rewards are more strongly focused on IndianOil fuel and specified categories rather than offering the same combination of fuel, groceries and utilities.

Winner: HDFC

If you want one card for fuel + household spending, HDFC is generally the more compelling option.

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6. Annual Fee and Fee Waiver

The annual fee is ₹500 plus applicable taxes on both cards under their current pricing.

But the spending requirement for getting the annual fee waived is dramatically different.

Axis IndianOil RuPay

You need to spend ₹3.5 lakh during the card anniversary year to qualify for the annual-fee waiver.

HDFC IndianOil

You need to spend ₹50,000 during the applicable year to qualify for the annual-fee waiver.

This difference is substantial.

If you spend ₹50,000–₹1 lakh a year on credit cards, HDFC's fee-waiver requirement is realistic.

If you already spend ₹3.5 lakh or more annually on your credit card, Axis's threshold may not be an issue.

Winner: HDFC

For the majority of moderate spenders, HDFC wins this category comfortably.

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7. RuPay and UPI: Axis Has the Edge

The biggest reason someone may prefer the Axis card despite HDFC's strong rewards is RuPay UPI functionality.

The Axis IndianOil card is issued on the RuPay network, allowing eligible cardholders to link the credit card to supported UPI applications.

This can make the card more useful for everyday merchant payments where credit-card-on-UPI transactions are supported.

For users who make frequent UPI payments, this is an important advantage.

However, remember that not every UPI transaction is eligible for credit-card rewards, and some merchant categories or transaction types may be excluded.

Winner: Axis

If RuPay and UPI compatibility are important to you, the Axis card has a clear advantage.

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8. Which Card Is Better for Heavy Fuel Spenders?

Heavy fuel spenders should be particularly careful when choosing between these cards.

Suppose you spend ₹10,000 every month on fuel.

That is:

₹1,20,000 per year

It might initially appear that HDFC's 5% reward rate automatically makes it better.

But the monthly Fuel Point cap changes the calculation.

With HDFC, once the monthly reward ceiling is reached, additional eligible fuel spending may not generate the same accelerated reward.

Therefore, high-spending customers should calculate:

Actual annual rewards = eligible spending × effective reward rate after caps

rather than:

Annual spending × advertised percentage

Axis may become more competitive for certain spending patterns because its advertised IndianOil benefit and reward structure work differently.

Verdict for heavy fuel users

Don't choose based solely on the advertised percentage. Calculate your actual annual reward.

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9. Which Card Is Better for UPI Users?

If UPI is a major part of your daily payment behaviour, the Axis IndianOil RuPay Credit Card is the more natural choice.

You get:

• RuPay network

• Eligible UPI credit-card payments

• IndianOil fuel benefits

• Axis EDGE REWARD ecosystem

For someone who wants to use one credit card across both fuel and eligible UPI merchant transactions, this combination can be valuable.

Winner: Axis IndianOil RuPay

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10. Which Card Is Better for Grocery and Bill Payments?

Here HDFC has a stronger proposition.

The IndianOil HDFC Credit Card gives accelerated Fuel Points on eligible grocery and utility payments, subject to the applicable monthly caps.

Therefore, if your monthly spending pattern looks something like this:

• ₹5,000 fuel

• ₹8,000 groceries

• ₹3,000 utility bills

• Other everyday expenses

HDFC may provide more opportunities to earn accelerated rewards than a card primarily focused on IndianOil fuel.

Winner: HDFC

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11. Which Card Should You Choose?

There is no single answer for everyone.

Choose the Axis IndianOil RuPay Credit Card if:

1. You frequently use UPI

If you want a RuPay credit card that can be used for eligible UPI merchant payments, Axis is the stronger choice.

2. You regularly buy fuel at IndianOil

The card is designed specifically around IndianOil fuel spending.

3. You already spend ₹3.5 lakh+ annually on credit cards

The high annual-fee waiver threshold is less of a problem if your normal spending comfortably exceeds it.

4. You value Axis Bank offers

Existing Axis Bank customers may also find the wider Axis card ecosystem useful.

5. You want fuel rewards plus RuPay functionality

This is probably the strongest reason to choose the Axis card over HDFC.

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Choose the HDFC IndianOil Credit Card if:

1. You want a low spending requirement for fee waiver

The ₹50,000 annual spending requirement is significantly easier for most moderate users.

2. You spend on groceries and utilities

HDFC provides accelerated rewards in these categories in addition to IndianOil fuel.

3. You primarily want a fuel-focused card

If you are happy using the card mainly at IndianOil and don't need RuPay-specific features, HDFC is compelling.

4. You want a higher fuel surcharge-waiver ceiling

HDFC currently offers up to ₹250 per billing cycle, subject to its terms.

5. You are a moderate credit-card spender

For people who don't spend several lakh rupees a year, HDFC's fee-waiver requirement is much more practical.

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Axis IndianOil RuPay vs HDFC IndianOil: Final Verdict

So, which is the best IndianOil credit card?

For most moderate spenders, the HDFC IndianOil Credit Card is arguably the easier recommendation because it combines fuel rewards with grocery and utility benefits and has a much lower annual-fee waiver threshold.

However, the Axis IndianOil RuPay Credit Card is the better choice for users who specifically want RuPay + UPI functionality alongside IndianOil fuel rewards.

Our category-wise verdict

Category	Winner
IndianOil fuel rewards	HDFC on headline rate
Fuel reward flexibility	Depends on spending pattern
Fuel surcharge waiver	HDFC
Grocery rewards	HDFC
Utility rewards	HDFC
Annual-fee waiver	HDFC
RuPay	Axis
UPI credit-card payments	Axis
Heavy spending	Depends on reward caps
Moderate spending	HDFC
Fuel + UPI combination	Axis
Fuel + household expenses	HDFC

The Bottom Line

Choose HDFC IndianOil Credit Card if your priority is fuel + grocery + utility rewards with an easy annual-fee waiver.

Choose Axis IndianOil RuPay Credit Card if your priority is IndianOil fuel + RuPay UPI payments and you can comfortably meet the higher annual spending requirement.

Before applying, calculate your expected annual spending rather than choosing based only on the advertised reward percentage. Reward caps, eligible transaction categories and redemption values can have a much bigger impact on your actual return than a 1% difference in the headline reward rate.

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Frequently Asked Questions

Is Axis IndianOil RuPay Credit Card better than HDFC IndianOil Credit Card?

It depends on your spending pattern. HDFC is generally better for users who want fuel, grocery and utility rewards and an easier annual-fee waiver. Axis can be better for users who specifically want a RuPay credit card with eligible UPI functionality.

Which card gives higher fuel rewards, Axis or HDFC?

HDFC currently advertises 5% Fuel Points on eligible IndianOil fuel purchases, while Axis advertises up to 4% value back on eligible IndianOil fuel purchases. However, HDFC's fuel rewards are subject to monthly caps, so the actual annual return depends on how much you spend.

Which IndianOil credit card is best for UPI?

The Axis IndianOil RuPay Credit Card is the more relevant option if UPI payments are a priority because it operates on the RuPay network and supports eligible credit-card-on-UPI transactions.

Which card has the lower annual-fee waiver requirement?

The HDFC IndianOil Credit Card has the lower requirement. HDFC currently requires ₹50,000 of eligible annual spending for the renewal-fee waiver, compared with ₹3.5 lakh for the Axis IndianOil RuPay Credit Card.

Can I use the Axis IndianOil RuPay Credit Card on UPI?

Yes, eligible RuPay credit cards can be linked to supported UPI applications for eligible merchant transactions. However, transaction eligibility and rewards can vary by merchant category and UPI transaction type.

Does the HDFC IndianOil Credit Card give rewards on groceries?

Yes. HDFC currently offers accelerated Fuel Points on eligible grocery spending, subject to applicable monthly limits and terms.

Which card is better for a heavy fuel spender?

There is no automatic winner. Heavy fuel users should compare the actual rewards after applying each card's monthly caps, reward conversion value and surcharge-waiver limits.

Are fuel credit cards worth it?

They can be worthwhile if you regularly purchase fuel at the participating fuel brand. The value becomes more meaningful when your annual fuel spending is high enough to offset the card's annual fee and you can fully use the available reward benefits.

Should I choose a credit card based only on the reward percentage?

No. Always consider the reward cap, eligible merchant categories, redemption value, fuel surcharge waiver, annual fee and fee-waiver requirement. A card with a higher advertised percentage can produce lower real-world rewards if the monthly cap is restrictive.

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Incash App - Real Money Earning App in India

 About Incash App :

InCash is a free money earning app which allows you to earn real money by completing simple tasks, the tasks will be given in Incash app,after completing tasks you will be given points which you can withdraw to any wallet or online UPI instantly. InCash is the simplest application to earn high real money. InCash App is made specially for people who love to earn extra money easily in their free time.

If you want to earn Rs. 100 to Rs. 200 or even more by completing small tasks on your phone during your free time at home, you can install the Incash App and start earning. This app provides daily tasks that you can complete to make money.. You can download the Incash App from the Play Store. If you have trouble finding the app, I will provide a link below, making it easy for you to download it.

This App has over 13,000 reviews, a 4.2-star rating, and more than 1 million downloads on the Play Store. A unique feature of this app is that you can place a withdrawal request for just Rs. 5, and the withdrawal happens instantly. This feature is highly beneficial for those who want to transfer small amounts to their account immediately, without any wait.

List of Tasks :

1. Play Games & Earn

2. Download & Earn

3. Survey Offers

4. Refer & Earn

5. Daily Rewards

6. Spin & Win

1. Play Games & Earn with Incash

Incash allows users to earn money by playing their favorite mobile games. With a variety of games to choose from, players can accumulate points, which can then be redeemed for cash rewards or gift cards. Whether you’re into action, puzzles, or strategy games, Incash provides an entertaining way to make some extra money while enjoying gaming.

How to Get Started:

• Download Incash and create an account.
• Browse the available games and start playing.
• Earn points based on time spent or achievements.
• Redeem your points for PayPal cash or gift cards.

2. Download & Earn with Incash

Incash also offers users the opportunity to earn rewards simply by downloading and interacting with apps. These could be anything from productivity tools to entertainment apps. You get paid to try out new apps and explore features, all while earning rewards.

How It Works:

• Install the Incash app and check the "Download & Earn" section.
• Pick the apps available for download and install them.
• Complete any specific tasks (like opening the app or using it for a certain time).
• Earn points and convert them into cash rewards or vouchers.

3. Survey Offers on Incash: Share Opinions, Earn Money

If you love sharing your opinion, Incash has a section where you can participate in paid surveys. These surveys typically cover a wide range of topics, from consumer products to lifestyle preferences. The more surveys you complete, the more you earn.

Steps to Earn:

• Head over to the "Survey Offers" section in the Incash app.
• Select a survey that suits your interest.
• Complete the survey and earn points for each one you finish.
• Redeem these points for cash or gift cards.

4. Refer & Earn with Incash: Invite Friends and Multiply Your Earnings

One of the easiest ways to increase your earnings is by referring your friends to Incash. For every friend you refer, you get rewarded when they sign up and start earning. It’s a win-win as your friend also gets a bonus when they join.

How Referral Works:

• Open Incash and navigate to the "Refer & Earn" section.
• Share your unique referral code with friends via social media, messaging apps, or email.
• Earn rewards once they sign up and start using Incash.
• Your friend also receives a sign-up bonus, making it an attractive offer for them as well.

5. Daily Rewards on Incash: Get Paid for Checking In

On top of earning through games, downloads, and surveys, Incash rewards users just for logging into the app daily. The more consecutive days you check-in, the higher your bonus. This daily check-in feature makes sure that even if you’re not actively using the app every day, you can still accumulate rewards.

Daily Rewards Process:

• Open Incash once a day.
• Claim your daily check-in bonus.
• Build up streaks to earn bigger rewards over time.

6. Spin & Win on Incash: Try Your Luck for Extra Cash

Incash includes a "Spin & Win" feature where users can test their luck by spinning a virtual wheel. Each spin gives you the chance to win various rewards, including cash bonuses, extra points, or exclusive prizes.

How to Play Spin & Win:

• Access the "Spin & Win" section on Incash.
• Spin the wheel once every day for free or use points to spin more frequently.
• Win rewards ranging from points, bonuses, or even cash prizes.

Final Thoughts

Incash provides a fun and easy way for users to earn money in multiple ways, from playing games to downloading apps, taking surveys, referring friends, and collecting daily rewards. With so many earning options, Incash is a great platform to make some extra cash during your free time.

Download Incash today and start earning with minimal effort!

Israel IS Too Small, We Need To Make It Big | Why Donald Trump Talks About Greater Israel

The 2024 United States presidential election will be the 60th quadrennial presidential election, set to be held on Tuesday, November 5, 2024. President Biden and former President Donald J. Trump cruised to victory in their respective parties’ primaries. Mr. Trump dispatched with a large group of Republican challengers, most of whom ended their campaigns before a single vote was cast, and Mr. Biden faced only nominal opposition. 

But a little over three weeks after a disastrous debate performance, Mr. Biden ended his campaign. Vice President Kamala Harris sought the nomination in the president’s place, and the Democratic Party immediately consolidated around her. In early August, delegates officially chose her as the party’s nominee. 

Trump's Pro-Israel Actions

During Donald Trump's presidency (2017-2021), the relationship between the United States and Israel was notably strong, marked by several key decisions and actions that significantly impacted U.S.-Israel relations: 

Recognition of Jerusalem as Israel's Capital: One of the most significant actions was Trump's decision to formally recognize Jerusalem as the capital of Israel in December 2017. This was a major shift in U.S. policy, as previous administrations had refrained from doing so, given the city's contested status. In May 2018, the U.S. embassy was officially moved from Tel Aviv to Jerusalem. 

The Abraham Accords: Under Trump's administration, the U.S. brokered the Abraham Accords, which led to the normalization of relations between Israel and several Arab nations, including the United Arab Emirates, Bahrain, Sudan, and Morocco. These agreements were seen as historic, as they marked the first time in decades that Arab nations had formally recognized Israel.

Support for Israeli Settlements: The Trump administration took a more lenient stance on Israeli settlements in the West Bank. In 2019, Secretary of State Mike Pompeo announced that the U.S. no longer viewed Israeli settlements as inherently illegal under international law, a departure from previous U.S. policy.

Withdrawal from the Iran Nuclear Deal: Trump withdrew the U.S. from the Joint Comprehensive Plan of Action (JCPOA), commonly known as the Iran nuclear deal, in 2018. This move was aligned with Israel's stance, as Prime Minister Benjamin Netanyahu was a vocal critic of the deal, believing it was insufficient in preventing Iran from developing nuclear weapons.

Cutting Aid to the Palestinians: Trump's administration significantly cut aid to the Palestinians, including funding to the United Nations Relief and Works Agency (UNRWA), which supports Palestinian refugees. This was seen as part of a broader strategy to pressure the Palestinian leadership to return to negotiations with Israel.

Recognition of Israeli Sovereignty over the Golan Heights: In 2019, Trump signed a proclamation recognizing Israeli sovereignty over the Golan Heights, a region Israel captured from Syria in the 1967 Six-Day War. This was another significant departure from previous U.S. policy and was widely praised in Israel.

These actions were seen as highly favorable to Israel and solidified Trump's reputation as one of the most pro-Israel presidents in U.S. history. However, they also drew significant criticism from Palestinians, other Arab nations, and various international actors who viewed these moves as undermining prospects for peace in the region.

Did Donald Trump Say Israel Is Too Small, We Need To Make It Big

Donald Trump delivered a speech in Asheville, North Carolina, where he focused on economic issues. He criticized the Biden-Harris administration for what he described as their failure to manage the economy effectively. Trump emphasized his plans to reduce energy costs and stimulate economic growth, pledging to bring back policies from his previous administration that he believes were more effective.

He also took the opportunity to attack Vice President Kamala Harris, framing her as unqualified to handle the nation's economic challenges. As with many of his speeches, Trump also veered off-topic at times, touching on a variety of issues, including his ongoing legal battles and what he perceives as media bias against him.

What's The True

Donald Trump did not actually say, "Israel is too small; we need to make it big." This quote seems to be either a misattribution, a distortion, or a fabrication. Sometimes, statements can be exaggerated or misinterpreted, especially when they spread on social media or through informal channels.

Money Is The Problem | The Story Of Holy Man And Thief

The Holy Man And Villagers

Once a holy man lived in a deep, dark forest. He prayed and meditated a lot.

Many people would come to the forest and he would advise them on ways to deal with their problems. The pleased villages presented him with lot of money. 

Greed For Money

After getting lots of money from villagers. The holy man became worried that someone might steal his money. He kept the money in a cloth bag and carried it under his arm all the time.

The Holy Man And Thief

Once a thief happened to pass by and saw the people offering money and gifts to the holy man. The Thief hatched a plan to loot his money.

He went to the holy man and said, "I respect you immensely and want to be your loyal follower."

The holy man was very happy that someone would be staying with him. So he readily agreed. All this while, the thief was eyeing the money and the gifts.

One day, taking advantage of the holy man's absence, the thief thoroughly searched his house, but failed to find any money.

The Thief Was Able To Steal The Money

The next day, the thief thief followed the holy man to the river. The holy man took off his clothes and stepped into the river. The moment he did this, the thief picked up his clothes and ran away. The holy man tried to chase him, but the thief was young and strong so he got away.

Money Is The Problem

The holy man was very sad and upset to lose all his money. But then he realized that his greed for money had taken him away from god.

He wondered "when the money was with me, I always remained worried. But now that the money has been stolen, I have nothing to worry about."

He realized that money had made him suffer. He now knew that it was better to stay without too much money, and be happy and peaceful. Now the holy man, began spending his time in praying to God again and donating the gifts and money he got, to the needy. He found more happiness in that.

The Story of Melina - who lived with her parents in a village near Sikkim

There was a young beautiful woman named Melina who lived with her parents in a village near Sikkim. She was studying to become a doctor. After she had completed MBBS, she managed to win a scholarship for studies in USA. She got her Master Degree and came back to serve in India while her friends stayed back. Melina's father was not happy with his daughter's decision. He wanted his daughter to make America her home, earn a lot of money and finally invite her parents and brother also to settle down in America. But Melina was adamant. “My country has spent thousands of rupees in educating me. I have to repay this debt. The only way I can do it is by serving the people here. Moreover, India and it's villages need good doctors.

She worked in a government hospital in the city. A year later an epidemic broke out in the nearby villages. Melina left immediately to serve these suffering people. She didn't even inform her parents for fear that they would stop her.

She was busy treating the patients and the situation was very grim.

Melina became a victim of the epidemic for working continuously without taking rest.

Her parents rushed to see her. She was in a very serious state. She could barely speak.

Her father asked “Why are you torturing yourself as well as us, daughter?"

“I can't help it father. I can't bear to see people suffer."

“Your friends are enjoying life in America, earning a lots of money and living in comfort and look at you here - fighting for your life. I can't understand what your are getting by doing all this. If you don't care about yourself, at least think about your poor mother. Just see her condition. She has gone half mad worrying about you."

“Father I don't think I'll ever be able to convince you about my actions. All I can say is that I have the satisfaction that I have been able to save so many lives. Forgive me if I have tortured you. But please try to understand that I could not help it. I can't watch people dying all around me and not able to do anything for them."

After battling for a month, Melina died in her mother's arms.

The entire village was there at her cremation and there was not even one eye which was not wet with tears.

A Friendship Between Frog And Snake

Today we are going to tell you the story about a friendship between a frog and a snake. We will also learn how to choose a friend. We should not make a decision while we are upset. We should wait atleast and ask ourselves what am I doing? Sometimes a decision may destroy you.

In a dense jungle there was a very old well. Many frogs lived there. A frog lived in a well with his friends and relatives. He was the king of all the frogs. All the frogs have to listen what he said. But some of the frogs revolted against him. Some frogs want to teach him a lesson. One frog was called Mojo.

Somehow the frog cleverly settled everything. Without any reason, all other frogs made Mojo a subject of their humiliation.  As a reason Mojo was very upset. They asked, “Hey Mojo! Where are you going? What’s the matter? You look very angry. Have you not eaten, Mojo? You are staring at me as you stare at your food.” So that Mojo was very angry with his friends, and said I will see you. so one day he came out of his well alone to teach them a lesson and went to the black poisonous snake who lived in a hole nearby.

The snake was surprised to see the frog standing and talking in front of him. The snake thought all the frogs were afraid of him “What the hell is going on?” The snake asked, “Why did you come here?”

The frog said, “My name is Mojo and I want to be your friend. Will you accept my friendship?”

The snake said, “What did you say? You want to be my friend? But we have always been enemies, then how can we be friends? I am seeing and hearing it for the first time in my life that a frog wants to befriend a snake.”

The frog said, “First , please hear my plan. My friends have created a lot of problems for me, so I want to punish them. You can come into my well and eat them all. Both of us are going to benefit from this friendship. I will take you into that well. You eat up all my crooked relatives and friends. You will tasty food and my enemies will cease to exist.”

The snake said “That’s a good plan. Just show me the way to enter the well because I don’t know how to swim then I will finish off all your enemies.” The snake agreed and make friendship with him.

The frog said, “Okay my friend. I will so you the way to get inside the well so that you can enter easily. But just one thing keep in mind, along with my enemies there are my family members  and relavies in the same well. I will show you who all frogs you have to kill.”

The snake, “Just take me inside that well I will finish all your enemies” Then Mojo took the deadly snake near the well and showed him the way through which he could easily go inside the well. So that Mojo reached inside the well along with the snake. Seeing such a vicious snake, all his enemies frogs were scared. Mojo was pointing to his enemies frogs one after the other. One by one the snake ate up all the friends and relatives of Mojo.

Mojo said, “What are you doing my friend? You are eating up all my relatives too. I had asked you to eat only my enemies, not my relatives.”

Then he said to the frog, “I have eaten all your relatives and friends, except your family. Now, I will have to eat you and your wife.”

Now Mojo was frightened and realised that he had made a great mistake; to punish his own people, he had brought an enemy into his well. Now he and his wife is in danger. He had to do something quickly to save himself and his wife.

Now what he will do? Can he fight against the snake?

Mojo was very intelligent, so he very quickly formulated a plan to save himself and his wife. He told the snake “Alright my friend. I will get you more frogs. But I will have to go outside well with my wife for that purpose.”

The snake asked, Why?

Mojo replied, “You know it my friend that all the frogs from this well are finished. I and my wife will go to some other well and strike a friendship with the frogs there and I and my wife will bring them here by hook or by crook.”

The snake asked, “And what if you don’t come back? Where will I go searching for you? Let me also come along with you.”

Mojo replied, “What are you saying my friend? No frog will accept my friendship if they see you with me. You don’t worry. Just have some patience. I will arrange for your food right here.

The snake became very happy and let the frog go to get more frogs. The frog and his wife jumped out of the well, never come back to that well again.

A Beautiful Woman and two Hunters [The story of hunters, beast and goddess of animals]

This is the story about two best friends Joe and Marshall. Both Joe and Marshall grew up playing together and became true friends. Joe and Marshall were the best hunters. Joe was the best shooter, he never miss his target and Marshall was extra ordinary strong man, he had the power to kill the animal like deer, bull, pig etc with his hand weapon. One day, Joe and Marshall went to the jungle for hunt and they were hunting for deer but instead they saw a beautiful woman wondered off and walking here and there. She was so beautiful that Joe and Marshall both fell in love with her. Joe went to her and asked “How come you here?” The woman replied that She had escaped from dangerous kidnaper and she lost her way back to her home. The woman met Joe and Marshall and then Joe promised “I and Marshall will protect you until you reach home safe.

The two hunters and a beautiful woman

Later, the woman became good friend with Joe and Marshall. Her name was Medina. Her father was a king of Sumaria and she was a princess. She was kidnapped when her father was visiting some villages to help poor people.

Joe and Marshall both love Medina but they did not even touch her. Joe and Marshall want Medina to take her home safely. So that Joe, Marshall and Medina started journey to the kingdom of Sumaria.

When they started off to Sumarian kingdom a woodcutter saw Medina, Joe and Marshall walking in the jungle. Then he went to the king of Phero and told him that “A beautiful woman with two other men walking in the jungle.” The king asked to the woodcutter, “Where you saw them?” And then the king send his army to the jungle to get them but they were not found.

The king said to the woodcutter “When you see them again then come and tell me.”

The woodcutter went to another jungle after a few days and he saw them again. Then he returned to the king and told “Now they were hunting for animal.”

The king said, “Now they should not escape this time." The king himself went to the forest to arrest them.

The king met them and taken them to his palace as a prisoners. But the King wants Medina to be his Queen. Joe and Marshall were prisoners.

One night when Joe and Marshall were taken to another jail. Marshall saw that the security were busy with other prisoners so Marshall thought this would be the best chance to escape. So Marshall suddenly attacked and Joe picked up a gun and destroyed almost half soldiers of the Phero. Then they saved Medina.

Again they started journey to the kingdom of Sumaria, they walked thousands of miles. Hundred miles still away to reach Sumerian Kingdom. They took rest, Joe went for hunt. After having nice dinner three of them are very tired and then they slept.

When Joe and Marshall woke up, Medina was not there with them. Joe and Marshall were very sad. They don't know what to do and how to find Medina? They started searching Medina everywhere as much as they can but Medina was not found.

After three days a bird asked them “whom are you looking for?” They were shocked “Is this bird ? how could a bird speak like human being?” The bird said “In Sumerian Kingdom all the animals can speak.” So, they asked a bird “Have you seen a beautiful woman? ” The bird replied “Yes I saw a beautiful woman, a beast had taken her to the west. I couldn't follow the beast, I was scared, I thought that the beast might me. So I stopped following the beast.

Joe and Marshall started searching to the west, they saw a crow then asked “Have you seen a beautiful woman ?” The Crow said no. After that they saw some monkeys then asked “Have you seen a beautiful woman ?” The monkeys said no and then they saw a rabbit and asked “Have you seen a beast with beautiful woman?” The rabbit said “She had taken in this hade.” So that Joe and Marshall started to go inside the hade to fight against the beast to protect Medina but before that they prayed the God of hade to allow them to go inside the hade. The God of hade listened their prayer and said “You are allowed to come in my hade but be careful the beast is very strong and powerful. I am happy with your behavior because you prayed me before entering into the hade So, I will give you a silver bow and a arrow to kill the beast but if you missed your aim then the beast will kill you both and inside hade there is dark.”

They started to walk inside the hade and then they heard Medina's screaming. So, Joe started to be in his position to shoot the beast and Marshall went for fight. Marshall fought against the beast and Joe is ready to shoot but there is dark. Joe knew that the beast is very strong and he will put Marshall down. Then the beast put Marshall down then Marshall is shouting shoot and Joe shoot and killed the beast. They saved Medina again.

Joe and Marshall told Medina to start their journey but Medina said “I live here in jungle. I am the Artemis. I am the Goddess of animals. I had to hide all day and night to protect myself against the beast. And thank you very much for saving me and I will be your best friend forever. ”