IndianOil HDFC Bank Credit Card
The IndianOil HDFC Bank Credit Card is built for vehicle owners who fuel up at Indian Oil petrol pumps
Fuel & Petrol Fit Score
94/100
Joining Fee
₹500
Annual Fee
₹500
Reward Rate (%)
0.64 – 5
0.67 pts/₹100 · ₹0.96/pt
Forex Markup
3.5%
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CardCheck Rating & Score
Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.
Reward Power
34/35
Fee Value & ROI
24/25
Lounge & Perks
4/20
Forex & Access
12/20
Category Strengths Breakdown
Ranked by strongest spend categoryScoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →
IndianOil HDFC Bank Credit Card Benefits
IndianOil HDFC Bank Credit Card Rewards
How you earn back on every swipe
points
Reward type
0.64% – 5%
Earn rate
0.67
Points / ₹100
₹0.96
Per point
24 months
Point expiry
₹450
Monthly cap
IndianOil HDFC Bank Credit Card Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other statutory charges are detailed in the official Most Important Terms and Conditions (MITC).
IndianOil HDFC Bank Credit Card 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
- vending-machine food
- package stores/alcohol merchants and bakeries
- in addition to wallet
- rent
- government
- tax
- EMI
- supermarkets
- cash advance
- insurance
Card Features
Fee Waiver Spend Simulator
Simulate your spend to check waiver eligibility
🎉 Annual renewal fee 100% waived! At ₹4,167/mo (₹50,004/yr), your ₹500 fee drops to ₹0.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
IndianOil HDFC Bank Credit Card 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 4 Sept 2026
Calculate your exact earnings with IndianOil HDFC Bank Credit Card
Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your estimated net return after fees, reward caps and exclusions.
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