IndianOil HDFC Bank Credit Card review
IndianOil customers who want a low-fee everyday fuel card. Verified as of June 2026.
By NexMaxo Editorial Team · Terms verified June 2026 · confirm before applying
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At a glance
HDFC Bank · RuPay / Visa
5% as Fuel Points at IndianOil, groceries & bill payments, on a low ₹500 fee.
- Annual fee
- ₹500 + GST (waived on ₹50,000 annual spend)
- Reward rate
- 5% Fuel Points at IndianOil/groceries/bills (capped); 1 FP/₹150 else
- Lifetime-free
- No
- Network
- RuPay / Visa
- Eligibility
- 18–70 yrs; salaried ₹12,000+/mo or self-employed ITR > ₹6L
Why it stands out
- 5% Fuel Points at IndianOil outlets, groceries & bill payments (monthly caps)
- 1 Fuel Point per ₹150 on other spends incl. UPI (1 FP ≈ ₹0.96 via XTRAREWARDS)
- 1% fuel-surcharge waiver on ₹400+ fuel txns (max ₹250/cycle)
Good to know
- It isn't lifetime-free — the annual fee (₹500 + GST (waived on ₹50,000 annual spend)) applies unless you meet the spend-based waiver.
- Accelerated rewards are usually capped — check the monthly/quarterly caps in the reward rate above before counting on them.
- Issuers revise card terms often, so confirm the current fees, rewards and eligibility on HDFC Bank's official page before applying.
How it compares
See it ranked against similar cards in our best fuel credit cards roundup.
IndianOil HDFC Bank Credit Card — FAQs
No. The IndianOil HDFC Bank Credit Card carries a fee — ₹500 + GST (waived on ₹50,000 annual spend). That fee is typically refunded only if you meet a spend threshold, so it's a spend-based waiver rather than a genuine lifetime-free card.
₹500 + GST (waived on ₹50,000 annual spend). Fees are dated as of June 2026 and can change — check the current schedule of charges on HDFC Bank's official page before applying.
5% as Fuel Points at IndianOil, groceries & bill payments, on a low ₹500 fee. In detail: 5% Fuel Points at IndianOil/groceries/bills (capped); 1 FP/₹150 else. Reward values and caps are indicative and set by the issuer.
IndianOil customers who want a low-fee everyday fuel card. Eligibility is broadly 18–70 yrs; salaried ₹12,000+/mo or self-employed ITR > ₹6L. It's not advice — pick a card that fits your own spending and confirm you qualify on the issuer's page.
This is an informational review, not financial advice or a recommendation to apply. Card terms change often — confirm current fees, reward rates and eligibility on HDFC Bank's official page before applying. Using credit responsibly and paying your bill in full avoids interest.