IndianOil HDFC Bank Credit Card

Name: IndianOil HDFC Bank Credit Card
Brand: HDFC Bank

HDFC Bank • A focused fuel card that pays its best rate at IndianOil pumps.

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This co-branded fuel card returns 5% of your IndianOil fuel spends as Fuel Points, with the same accelerated rate on groceries and bill payments within monthly caps. Fuel Points are worth ₹0.96 each when redeemed for fuel through XTRAREWARDS, but only ₹0.20 each as cashback or catalogue value. The ₹500 fee is waived on ₹50,000 of annual spending.

Annual Fee (+ 18% GST)₹500 (₹590 incl. GST)

Fee Waiver₹50,000 annual spend

Joining Perk₹250 voucher on card activation and one transaction within 37 days

Primary Reward5% of spends back as Fuel Points at IndianOil outlets, and on groceries and bill payments, with 1 Fuel Point worth ₹0.96 against fuel

Airport Lounge AccessNo complimentary lounge access with this card; it is not listed among the lounge-eligible cards in the HDFC Bank MITC

Forex Markup3.5% + 18% GST

RuPay UPIYes — RuPay UPI enabled

Best ForDrivers who regularly fill up at IndianOil petrol pumps

What We Like

5% back as Fuel Points at IndianOil outlets, worth ₹0.96 per point on fuel
Accelerated points also apply to groceries and bill payments
RuPay variant earns Fuel Points on UPI spends

Watch Out

Monthly caps limit fuel points to 250 a month for 6 months, then 150
Points are worth only ₹0.20 each outside fuel redemption
No complimentary lounge access and a 3.5% forex markup

MITC & Hidden Charges

18% GST applies to annual fee (Total ₹590). Cross currency markup is 3.5% plus GST on international transactions. Other charges as per the issuer's MITC.