HDFC Bank IndianOil Credit Card
Updated on August 25, 2026
🎖️Reward Rate
Base Rewards: 1 Fuel Point per ₹150 (1 Fuel Point per ₹150 spent on other retail purchases)
Overview
HDFC Bank IndianOil Credit Card by HDFC Bank provides premium value tailored for Fuel Co-brand cardholders.
Rewards
Reward Type
Reward Points
Reward Rate
- • Base Rewards: 1 Fuel Point per ₹150 (1 Fuel Point per ₹150 spent on other retail purchases)
- • Accelerated Rewards: 5% Fuel Points on IndianOil fuel purchases (max 250 Fuel Points per month for initial 6 months, 150 thereafter) + 5% Fuel Points on Groceries and Bill Payments (max 100 FP/mo each)
- • Excluded Categories: Wallet load, Rent
Welcome Benefit
Complimentary 250 Fuel Points on realization of joining fee and first swipe within 37 days; Qualification Criteria: Fee realization; Card swipe within 37 days; Fulfillment Timeline: 30 days post fee payment
Milestone Benefit
Spend ₹50,000 (Annual): Annual renewal fee waiver; Annual Fee Waiver: Spend ₹50,000 or more in preceding 12 months for fee waiver
Redemption
- • Redeem for up to 50 Litres of Free Fuel annually at IndianOil fuel pumps at 1 Fuel Point = ₹0.96
- • Catalog gifts and statement cashback at 1 FP = ₹0.20
Benefits
- Fuel Surcharge Waiver: 1% (Max waiver ₹250 per statement cycle)
- 1% Fuel Surcharge Waiver: 1% Fuel Surcharge waiver across all IndianOil fuel outlets on min transaction of ₹400. (Max waiver ₹250 per statement cycle) [Partners: IndianOil Corporation Ltd]
Things to Know Before you apply
HDFC Bank IndianOil Credit Card Eligibility Criteria
- Age: 21–60 years
- Salaried: Net monthly income > ₹12,000; Self-employed: ITR > ₹2.4 Lakhs
- Salaried & Self-Employed Individuals
- Resident Indian
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹500 |
| Annual Fee | ₹500 |
| Foreign Currency Mark-up Fee | 3.5% |
| Cash Advance Fee | 2.5% (min ₹500) |
Fee waiver: Spend ₹50,000 or more in preceding 12 months for fee waiver
PaisaSimple Review
Overall Rating
4.8/5What do we like about this card?
HDFC Bank IndianOil Credit Card issued by HDFC Bank is one of India's leading credit cards for Fuel Co-brand spends, featuring competitive reward earning and verified travel perks.
Pros
- • Base Rewards: 1 Fuel Point per ₹150 (1 Fuel Point per ₹150 spent on other retail purchases)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
Cons
- • Annual renewal fee of ₹500
- • Reward exclusion on fuel purchases and wallet load transactions
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- • Complimentary 250 Fuel Points on realization of joining fee and first swipe within 37 days
- • Qualification Criteria: Fee realization
- • Card swipe within 37 days
- • Fulfillment Timeline: 30 days post fee payment
- • 2,000 bonus Reward Points upon spending ₹5,000 within first 60 days
- • Qualification Criteria: ₹5,000 retail spend within 60 days of card setup
- • Fulfillment Timeline: 45 days
- • Complimentary 1-year SonyLIV Premium subscription worth ₹999 upon first transaction within 30 days
- • Qualification Criteria: First card spend within 30 days of issuance
- • Fulfillment Timeline: Voucher code delivered via SMS within 30 days
- • Base Rewards: 1 Fuel Point per ₹150 (1 Fuel Point per ₹150 spent on other retail purchases)
- • Accelerated Rewards: 5% Fuel Points on IndianOil fuel purchases (max 250 Fuel Points per month for initial 6 months, 150 thereafter) + 5% Fuel Points on Groceries and Bill Payments (max 100 FP/mo each)
- • Excluded Categories: Wallet load, Rent
- • Base Rewards: 2 ICICI Reward Points per ₹100 (2 points per ₹100 spent at HPCL fuel stations)
- • 2 ICICI Reward Points per ₹100 (2 points per ₹100 spent on general retail)
- • Accelerated Rewards: Up to 5% savings on HPCL fuel purchases (2.5% cashback + 2 Reward Points per ₹100 + 1% surcharge waiver via ICICI POS)
- • Excluded Categories: Non-HPCL petrol pumps
- • Base Rewards: 4 EDGE Reward Points per ₹200 (4 EDGE Reward Points per ₹200 on all retail transactions)
- • Accelerated Rewards: Buy 1 Get 1 free movie ticket on District / Paytm Movies (up to ₹200 discount per month)
- • Excluded Categories: Fuel, Wallet loads
- • Base Rewards: 1 Fuel Point per ₹150 (1 Fuel Point per ₹150 spent on other retail purchases)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Base Rewards: 2 ICICI Reward Points per ₹100 (2 points per ₹100 spent at HPCL fuel stations)
- • 2 ICICI Reward Points per ₹100 (2 points per ₹100 spent on general retail)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Base Rewards: 4 EDGE Reward Points per ₹200 (4 EDGE Reward Points per ₹200 on all retail transactions)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Annual renewal fee of ₹500
- • Reward exclusion on fuel purchases and wallet load transactions
- • Annual renewal fee of ₹500
- • Reward exclusion on fuel purchases and wallet load transactions
- • Annual renewal fee of ₹500
- • Reward exclusion on fuel purchases and wallet load transactions