What is the annual fee for IndianOil HDFC Bank Credit Card?

The annual fee for IndianOil HDFC Bank Credit Card is ₹500. The fee is waived on annual spend above ₹50,000.

What is the joining fee for IndianOil HDFC Bank Credit Card?

The one-time joining fee for IndianOil HDFC Bank Credit Card is ₹500.

What are the rewards and benefits of IndianOil HDFC Bank Credit Card?

IndianOil HDFC Bank Credit Card earns points rewards. Reward rate ranges from 0.64% to 5%.

What lounge access benefits does IndianOil HDFC Bank Credit Card provide?

IndianOil HDFC Bank Credit Card provides 0 domestic lounge visits per quarter and 0 international lounge visits per year.

What is the eligibility criteria for IndianOil HDFC Bank Credit Card?

To be eligible for IndianOil HDFC Bank Credit Card, you need a minimum monthly income of ₹12,000.

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HDFC Bank

IndianOil HDFC Bank Credit Card

Name: IndianOil HDFC Bank Credit Card
Brand: HDFC Bank
Price: 500 INR
Availability: InStock

The IndianOil HDFC Bank Credit Card is built for vehicle owners who fuel up at Indian Oil petrol pumps.

Co-branded

CardCheck ScoreVery Good

Top Category Performance

Fuel & Petrol (92/100)

Best for: IndianOil fuel buyers — maximum savings at IOCL pumps

Joining Fee

₹500

Annual Fee

₹500

Reward Rate (%)

0.64 – 5

Forex Markup

3.5%

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(0)

Your Rating

Apply may use an affiliate link — we may earn a commission; this doesn't affect our data or ratings.

CardCheck Rating & Score

Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.

Very GoodScore / 100

Reward Power

34/35

Fee Value & ROI

24/25

Lounge & Perks

4/20

Forex & Access

12/20

Category Strengths Breakdown

Ranked by strongest spend category

Fuel & Petrol

92/100

RuPay UPI Payments

88/100

Zero Fee & Starter

85/100

Online Shopping

84/100

Scoring 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

5% Fuel Points on fuel spends at IndianOil outlets

5% Fuel Points on groceries and bill payments (capped monthly)

1 Fuel Point per ₹150 on other eligible spends including UPI transactions

Up to 50 litres of free fuel annually through Fuel Point redemption

Complimentary IndianOil XTRAREWARDS membership

1% fuel surcharge waiver on fuel transactions above ₹400 (up to ₹250 per statement cycle)

Annual fee waiver on ₹50,000 annual spends

Contactless tap-to-pay enabled

IndianOil HDFC Bank Credit Card Rewards

How you earn back on every swipe

points

Reward type

0.64% – 5%

Earn rate

₹0.96

Per point

24 months

Point expiry

IndianOil HDFC Bank Credit Card 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.

Joining fee₹500

Annual fee₹500

Fee waiver on annual spend₹50,000

Interest-free period50 days

Interest rate (APR)42%

Late payment fee (max)₹1,300

Cash advance fee2% (min ₹450)

Forex markup3.5%

Fuel surcharge waiverYes (₹400–₹5000)