IndianOil HDFC Bank Credit Card
Save up to 50 Litres of Fuel Annually
Annual Fee
₹500
Base Rewards
0.1%
Forex Fee
3.5%
Expert Verdict
The IndianOil HDFC Bank Credit Card is a solid entry-level choice for fuel savings, offering a high 5% return at IOCL pumps. While the monthly caps are restrictive for high spenders, the RuPay-UPI integration and low fee waiver threshold provide excellent utility for the average urban commuter.
Quick Match
Is this card right for you?
Great match for your profile!
Your Estimated Value
Year 1
+₹780
Includes ₹480 bonus
Year 2+
+₹300
Fee waiver eligible!
Why get this card
High 5% value back on fuel at IndianOil outlets, making it one of the best entry-level fuel cards
RuPay variant allows for seamless UPI payments while earning reward points
Low annual fee waiver threshold of just ₹50,000 makes it easy to maintain for free
Watch out for
Strict monthly caps on fuel points (150 FP after 6 months) limit benefits for heavy drivers
Very low base reward rate of 1 FP per ₹150 (approx 0.13% value back)
No complimentary domestic or international airport lounge access
Who is this card for?
Best for
commuter
Individuals with regular city commutes who primarily refuel at IndianOil outlets and want to save on fuel costs.
Min: ₹5,000/mo
upi user
Users looking for a RuPay credit card to link with UPI apps for daily small-ticket transactions.
Min: ₹2,000/mo
Skip if you're
highway traveler
Long-distance travelers who may exceed the low monthly reward caps quickly.
luxury seeker
Users looking for lifestyle perks like lounge access, concierge services, or high-value travel rewards.
Base Earning
1 Fuel Points
per ₹150 spent
0.1%
effective rate
Point value: ₹0.20/point
Bonus Categories
FUEL
7.5×
1% return
150 pts/month
GROCERIES
7.5×
1% return
100 pts/month
UTILITIES
7.5×
1% return
100 pts/month
Welcome Offer
Complimentary IndianOil XTRAREWARDS Program (IXRP) membership.
500
points
₹480
value
within 30 days
No rewards on:
Fuel, rent payments, utility bills, government payments, wallet loads, insurance premiums, EMI transactions
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