IndianOil HDFC Bank Credit Card Review 2026: Fees, Rewards & Fuel B...
Get 5% Fuel Points at IndianOil outlets with the IndianOil HDFC Bank Credit Card. Check fees, eligibility, and how to earn 50 litres of free fuel annually.
The IndianOil HDFC Bank Credit Card is one of the best entry-level fuel cards in India, especially for those who prefer IndianOil outlets. While the reward caps are tight, the high point value for fuel redemption makes it a solid choice for commuters.
Earn up to 50 Litres of Free Fuel annually
The Bottom Line
The IndianOil HDFC Bank Credit Card is one of the best entry-level fuel cards in India, especially for those who prefer IndianOil outlets. While the reward caps are tight, the high point value for fuel redemption makes it a solid choice for commuters. With a ₹500 annual fee that is waived on ₹50,000 yearly spend, it offers 0% rewards on indianoil fuel and 250 bonus points. For anyone researching indianoil hdfc bank credit card, the verdict is simple: recommended.
It earns a base reward rate of 0.128% and stacks best when your spending lines up with daily-commuter, budget-conscious-user. The renewal fee gets easier to justify once you can hit ₹50,000 in yearly spend.
Who Should Get This Card
Use this as a quick filter before comparing rewards or fees in detail.
Best fit for
IdealStrong value back on fuel at IndianOil outlets and utility bills.
Low entry barrier with a low joining fee and easy waiver criteria.
Probably not for
SkipLacks lounge access, travel insurance, and has high forex markup.
Low reward caps on accelerated categories limit the benefits for high monthly spends.
Is It Worth It For You?
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Calculate Your Value
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Spend ₹50,000 more to waive annual fee
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Reward Rates
IndianOil HDFC Bank Credit Card offers 0.128% basic reward rate.
Quick Calculator
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Welcome Offer
₹250 worth of Fuel Points On first spend within 30 days of card issuance
Milestone Benefits
Annual fee waiver for the next year
Fees & Charges
Eligibility
- Min Income: ₹1.2 Lakhs
- Min Credit Score: 700
- Salaried: Age 21-60 years, Net Monthly Income > ₹10,000. Self-employed: Age 21-65 years, ITR > ₹6 Lakhs per annum.
Exclusions & Terms
Fuel at non-IOCL outlets
Rent payments
Government transactions
Jewellery
Wallet loads
Cash advances
EMI transactions
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Frequently Asked Questions
3 data-backed answers from our card database