HDFC Bank
IndianOil HDFC Bank Credit Card
Your rating
Community rating
Joining Fee
₹500
Annual Fee
₹500
Reward Rate
0.64% – 4.8%
Forex Markup
3.5%
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Key Benefits
Rewards
How you earn back on every swipe
points
Reward type
0.64% – 4.8%
Earn rate
₹0.96
Per point
24 months
Point expiry
Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.
Travel & Lounge Access
Airport perks included with this card
0 per quarter
Domestic lounge visits
0 per year
International lounge visits
Things to Keep in Mind
- wallet loads
- rent payments
- government transactions
- EMI
- jewellery/gold
- cash advances
- insurance
- tax payments
- supermarkets
- fuel at non-IndianOil pumps
Card Features
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
Eligibility
Employment type
Pros & Cons
- Strong fuel savings for regular IndianOil users
- Good rewards on groceries and utility bill payments
- Low annual fee with easy waiver milestone
- Fuel Points redemption value is relatively good for fuel spends
- Includes UPI transaction rewards
- Good entry-level fuel credit card
- Useful for daily commuters and family fuel expenses
- Best rewards limited to IndianOil ecosystem
- Monthly Fuel Point caps reduce high-spend value
- No airport lounge access
- Reward redemption mainly optimized for fuel
- Forex markup is high for international spends
- Base reward rate on non-bonus spends is average
- Limited travel and lifestyle benefits
Who is this card for?
Vehicle owners who regularly fuel at IndianOil pumps and want to maximise savings on fuel purchases. Best for monthly fuel spends of ₹3,000–₹10,000.
Quick Links
Data last updated 24 Mar 2026