HDFC IndianOil Credit Card on Petrol (any pump)

How it works

5% in Fuel Points at IndianOil, on groceries and on bill payments, valuing a Fuel Point at ₹0.96 when converted to IndianOil XTRAREWARDS. The grocery and bill rates stop at about ₹96 a month each.

Caps & rules

• 5% as Fuel Points at IndianOil outlets (max 250 a month for the first 6 months, then 150).
• 5% on groceries and on bill payments (POS and online), max 100 Fuel Points a month in each.
• 1 Fuel Point per ₹150 on other spends, including UPI.
• 1 Fuel Point = 3 XTRAREWARDS points (₹0.96); only ₹0.20 as statement credit or catalogue.

Reward limits

• 5% Fuel Points at IndianOil: max 150 Fuel Points per month (250 in the first 6 months)
• 5% Fuel Points on groceries: max 100 Fuel Points per month
• 5% Fuel Points on bill payments: max 100 Fuel Points per month

No rewards on

Rent, wallet loads, government payments, EMI (HDFC standard exclusions)