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Last updated: 12 October 2026
Free to apply via CardsGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
5% on IndianOil fuel, groceries, bill payments & utilities; 1 FP per ₹150 on other purchases
Earn 5% of spends as Fuel Points at IndianOil outlets, groceries, bill payments & utilities. Earn 1 Fuel Point for every ₹150 spent on other purchases. Points redeemable for free fuel, cash back or product catalogue.
Redeem for
The privileges that come bundled in, beyond the reward points.
Annual fee waived on spending ₹50,000 or more in the previous anniversary year.
Up to 50 Litres of Free fuel annually by maximizing and redeeming Fuel Points.
1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 (capped at ₹250 per month).
Complimentary IndianOil XTRAREWARDS Program (IXRP) membership.
An honest read on where this card earns its keep — and where it doesn't.
Excellent fuel savings at IndianOil outlets with a high reward value of ₹0.96 per point
Low annual fee of ₹500, which is easily waived off with a ₹50,000 annual spend
Offers 5% accelerated rewards on non-fuel categories like utility bills and groceries
Available on the RuPay network, allowing for UPI payments via BHIM
GPay, or PhonePe
Low monthly capping on reward points limits heavy spenders
Very low base reward rate on non-accelerated categories
Reward points drastically lose value (from ₹0.96 down to ₹0.20) if not redeemed at IndianOil outlets
No reward points earned on rent
EMIs, or government transactions
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with HDFC Bank before you apply.
Issuer-stated requirements and CardsGuruji guidance are shown separately.
Note: A displayed score is editorial guidance only unless separately identified as an issuer-stated requirement.
See how IndianOil HDFC Bank Credit Card stacks up against competing cards on reward rates, annual charges, and milestone perks.
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Everything you need to know about IndianOil HDFC Bank Credit Card fees, reward conversion, lounge access, and application eligibility.
IndianOil HDFC Bank Credit Card has an annual fee of ₹500 plus 18% GST. Most cardholders can get subsequent annual renewal fees waived by reaching the bank's annual milestone spend threshold. Additionally, the initial fee is often offset by welcome privileges like "Welcome benefit voucher worth ₹250 on completion of the first transaction within 37 days.".
IndianOil HDFC Bank Credit Card earns Fuel Points at a primary rate of 5% on IndianOil fuel, groceries, bill payments & utilities; 1 FP per ₹150 on other purchases. Specifically, Earn 5% of spends as Fuel Points at IndianOil outlets, groceries, bill payments & utilities. Earn 1 Fuel Point for every ₹150 spent on other purchases. Points redeemable for free fuel, cash back or product catalogue.. Spends in Fuel, Entry Level, Rewards categories provide the maximum valueback per transaction on this card.
Yes, because IndianOil HDFC Bank Credit Card is on the RuPay network, you can link it directly to any UPI application including Google Pay, PhonePe, Paytm, and BHIM. This allows you to scan merchant QR codes at local stores and pay from your credit card account while earning reward points.
Rewards earned on IndianOil HDFC Bank Credit Card can be redeemed for IndianOil XTRAREWARDS (1 FP = ₹0.96), Product Catalogue (1 FP = ₹0.20), Statement Cashback (1 FP = ₹0.20) via HDFC Bank's official rewards portal or mobile banking app. Points earned remain valid for 24 months from the transaction date before expiring.
A CIBIL credit score of 700 or above is strongly recommended for approval of IndianOil HDFC Bank Credit Card. Applicants should be Indian residents aged 21 to 65 years with a stable monthly income (salaried or self-employed with ITR) and no recent payment defaults or high credit utilization over 30%.
IndianOil HDFC Bank Credit Card levies a forex markup fee of 3.5% + GST on transactions processed in foreign currencies. For cross-border shopping and overseas travel, remember that standard 18% GST applies on the markup charge.
IndianOil HDFC Bank Credit Card currently features a welcome offer: "Welcome benefit voucher worth ₹250 on completion of the first transaction within 37 days.". To claim this joining perk, cardholders typically need to activate the card and complete a qualifying initial transaction within 30 to 60 days of card issuance.
Key highlights include Excellent fuel savings at IndianOil outlets with a high reward value of ₹0.96 per point and Low annual fee of ₹500. However, keep in mind that Low monthly capping on reward points limits heavy spenders and Very low base reward rate on non-accelerated categories. Overall, IndianOil HDFC Bank Credit Card delivers strong value if your regular spending aligns with Fuel, Entry Level, Rewards.
IndianOil HDFC Bank Credit Card is focused on Fuel and Entry Level and Rewards valueback and does not include unconditional complimentary airport lounge visits as a core benefit. If lounge access is a deciding factor for your travels, consider pairing this with a dedicated premium travel credit card.
Yes, IndianOil HDFC Bank Credit Card includes a 1% fuel surcharge waiver for fuel spends typically between ₹400 and ₹4,000 at all government and private fuel stations in India. (Up to 50 Litres of Free fuel annually by maximizing and redeeming Fuel Points.). The monthly waiver is subject to a cap, and GST charged on the surcharge is non-refundable.
