Fuel
IndianOil HDFC Bank Credit Card
A low-fee fuel card: earn 5% back as Fuel Points at IndianOil pumps, on groceries and on bills, and redeem them for free fuel.
Joining fee₹500 + GST
Annual fee₹500 + GST
Fee waiverOn ₹50,000 spend a year
Top reward5% at IndianOil
LoungeNone
Forex markup3.5%
Best for: Two-wheeler and car owners who fill up at IndianOil and spend ₹3,000 to ₹5,000 a month on fuel.
Rewards and cashback
| Where you spend | You earn | Limit |
|---|---|---|
| IndianOil fuel (card swipe at the pump) | 5 Fuel Points per ₹100 | 150 points a month (250 in the first 6 months) |
| Groceries (₹150 or more) | 5 Fuel Points per ₹100 | 100 points a month |
| Utility and phone bills (₹150 or more) | 5 Fuel Points per ₹100 | 100 points a month |
| Other spends, including UPI | 1 Fuel Point per ₹150 | No cap |
| Rent, insurance, wallet loads, government, EMI, jewellery, other fuel brands | Nothing | – |
- Best use: free fuel at IndianOil outlets at about ₹0.96 per point.
- Other redemptions are worth only ₹0.20 to ₹0.25 a point.
- Up to about 50 litres of free fuel a year.
Benefits
Welcome benefit
- Small welcome benefit (about ₹250) after first spends.
Milestones
- Annual fee waived on ₹50,000 spend.
Travel and lounges
- No lounge access.
Fuel and forex
- 1% fuel surcharge waiver on transactions of ₹400 or more, up to ₹250 a cycle.
- Forex markup 3.5%.
Fees and charges
| Joining fee | ₹500 + GST (₹590) |
|---|---|
| Annual fee | ₹500 + GST, waived on ₹50,000 yearly spend |
| Interest | 3.75% a month |
| Forex markup | 3.5% |
GST at 18% applies on fees. Banks change charges from time to time; the bank’s own terms are final.
Who can apply
- Age 21 to 60
- Salaried: about ₹12,000 a month
You will usually need PAN, Aadhaar or address proof, and income proof (salary slips or ITR). A credit score of 750 or more improves your chances.
Pros and cons
What we like
- Very easy fee waiver
- Good return at IndianOil pumps
- Low income requirement
Watch out for
- Small monthly caps on every 5% category
- UPI at the pump earns only the base rate
- Points are weak outside IndianOil
Recent changes
- 1 Jul 2025New 1% fees on rent, large wallet loads and utility bills over ₹50,000.
Frequently asked questions
How do I redeem IndianOil HDFC Fuel Points?
At IndianOil outlets for free fuel, at about ₹0.96 per point, in multiples of 500.
Do UPI payments at the pump earn 5%?
No. You need to swipe or tap the card at the IndianOil terminal.
Ready to apply for the IndianOil HDFC Bank Credit Card?Applying takes about 10 minutes online. Approval depends on the bank.
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Sources: CardAdvisor · HDFC Bank. Details checked on 22 Oct 2026. For information only, not financial advice; always read the bank’s most important terms (MITC) before applying.