HDFC Bank
IndianOil HDFC Bank Credit Card
Annual Fee
₹500
Base Reward
5% points
Foreign Markup
3.5%
Product Highlights
- 5% Fuel Points on IndianOil outlets, groceries, and bill payments
- 1 Fuel Point on every ₹150 spent on other purchases
- Up to 50 liters of free fuel annually
Category Rewards
fuel
5% Fuel Points
5% Fuel Points
grocery
5% Fuel Points
5% Fuel Points
utilities
5% Fuel Points
5% Fuel Points
other
0.67% on other spends
0.67% on other spends
Fee Waiver
Waived on ₹20,000 spend in first 90 days
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
IndianOil
offline(250 Fuel Points/month for first 6 months, 150 thereafter)
Groceries
offline(100 Fuel Points/month)
Utilities
offline(100 Fuel Points/month)
Rewards Details
5% Fuel Points on spends at IndianOil outlets, groceries, and bill payments. 1 Fuel Point for every ₹150 spent on other purchases.
- 1 Fuel Point = ₹0.96 for fuel, ₹0.20 for catalogue products, and ₹0.20 for cashback.
Benefits & Features
N/A
Pros & Cons
Pros
- High 5% Fuel Points on IndianOil outlets and groceries
- Ability to link with UPI for easy payments
Cons
- Initial cap of 250 Fuel Points for first 6 months
- No Fuel Points on government transactions and rentals
Additional Info
Fuel Points are valid for 2 years from the date of accumulation.
No Fuel Points will be earned for wallet reloading, government transactions, EMI transactions, rental payments, and gold purchases.
Renewal fee can be waived by spending ₹50,000 in the previous year.
Monthly max cap for Fuel Points accrued on IndianOil Outlets for the first 6 months is 250 FP, post 6 months is 150 FP.
Excluded Categories
Partner Merchants
Fees & Charges
Eligibility
Min Age
21 yrs
Salaried
₹1.4L+
Self-Emp
₹6.0L+
Networks
Fee Waiver
Waived on ₹20,000 spend in first 90 days