HDFC IndianOil Credit Card
Fees
₹500 + Taxes
Joining & annual
Reward Rate
5% Fuel Points at IndianOil outlets, groceries, and bill payments
Welcome Bonus
500 Fuel Points upon payment of joining fee
Lounge
No Lounge Access
Our Expert Take
The HDFC IndianOil Credit Card offers 5% Fuel Points on fuel at IndianOil outlets, groceries, and bill payments. Annual fee of ₹500 + Taxes waived on ₹50,000 annual spend.
Reward limits
Checked 11 Oct 2026 · Bank terms
-
5% Fuel Points at IndianOil
Max 150 Fuel Points per month (250 in the first 6 months)
Reached after about ₹3,000 of spend
-
5% Fuel Points on groceries
Max 100 Fuel Points per month
Reached after about ₹2,000 of spend
-
5% Fuel Points on bill payments
Max 100 Fuel Points per month
Reached after about ₹2,000 of spend
Where this card earns most
Paying directly in the app or site · 0.64% on other spends
Pros & Cons
Key Advantages
- Earn up to 50 Liters of free fuel annually via Fuel Points
- 5% Fuel Points at IndianOil outlets, groceries, and utility bills
- 1% fuel surcharge waiver across IOCL outlets
- Achievable annual fee waiver on ₹50,000 retail spends
Limitations
- Fuel Points capped at 250 points/month for fuel spends
- Reward rate drops on general retail spends outside IOCL network
- Fuel points value maximized primarily at IOCL pumps
Key Perks & Spending Milestones
5% Fuel Points on IndianOil fuel purchases (max 250 Fuel Points/month for 1st 6 months, 150/month thereafter)
5% Fuel Points on grocery & bill payments (max 100 Fuel Points/month per category)
1 Fuel Point per ₹150 spent on all other retail transactions
1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 (max ₹250/cycle)
Up to 50 days of interest-free credit period
Spend milestone
Annual fee waived on retail spends of ₹50,000 in a membership year
Fees & Charges
Joining fee
₹500 + Taxes
Annual fee
₹500 + Taxes
Annual fee waived on ₹50,000 annual retail spends
Interest rate
3.6% per month (43.2% per annum)
Late payment fee
- Up to ₹500
- Nil
- ₹501 to ₹1,000
- ₹500
- ₹1,001 to ₹5,000
- ₹600
- ₹5,001 to ₹10,000
- ₹750
- ₹10,001 to ₹25,000
- ₹900
- ₹25,001 to ₹50,000
- ₹1,100
- Above ₹50,000
- ₹1,300
Insurance & Protection Benefits
air accident cover
Nil
lost card liability
Up to ₹50,000
purchase protection
Nil
emergency medical cover
Nil
Eligibility Criteria
salaried minimum income
₹10,000 per month
self employed ITR
₹6 Lakh per annum
age
21 to 60 years
Credit score & income
Good (730+)
Frequently Asked Questions
How much fuel cashback does the HDFC IndianOil card offer?
Does the HDFC IndianOil card have an annual fee?
Is there lounge access on this card?
Compare HDFC IndianOil Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| HDFC IndianOil Credit Card This Card | ₹500 + Taxes | 5% Fuel Points at IndianOil outlets, groceries, and bill payments | No Lounge Access | 4.2/5 |
| Standard Chartered Super Value Titanium Credit Card | ₹750 + Taxes | 5% cashback on fuel, telecom & utility bills (capped... | No Lounge Access (Premium Banking customers get 1 Priority Pass visit/month) | 4.3/5 |
| IndianOil Kotak Credit Card | ₹499 + Taxes | 24 points per ₹150 on IndianOil fuel (~4% value-back, capped at... | No Lounge Access | 4.2/5 |
| IndianOil RBL Bank XTRA Credit Card | ₹1,500 + Taxes | Up to 8.5% total fuel savings profile at IndianOil outlets | No Lounge Access | 4.1/5 |