IndianOil HDFC Bank Credit Card
HDFC Bank · RuPay · Entry card
Splits its accelerated rate across fuel, grocery and bills rather than fuel alone, making it more broadly useful day-to-day than a pure fuel co-brand card.
IndianOil customers who also want reward coverage on groceries and utility bills.
Terms checked 13 Sept 2026
- Annual fee
- ₹500 + GST
- Joining fee
- ₹500 + GST
- Base reward rate
- 0.6%
- Forex markup
- 3.5%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| Groceries & essentials | 4.8% |
| Bills & utilities | 4.8% |
| Fuel & commute | 0.6% |
| Online shopping | 0.6% |
| Dining & delivery | 0.6% |
| Travel & hotels | 0.6% |
| Subscriptions & streaming | 0.6% |
| Beauty & wellness | 0.6% |
| Entertainment & movies | 0.6% |
| Offline store shopping | 0.6% |
| International spending | 0.6% |
| Insurance premiums | 0.6% |
| Education & family | 0.6% |
| Healthcare & pharmacy | 0.6% |
| Other miscellaneous | 0.6% |
| Gold & jewellery | 0.6% |
| House rent | 0% |
Caps and fee waiver
- Reward caps
- No general cap recorded
- Annual fee waiver
- At ₹50,000 annual spending
- Monthly income requirement
- Approx. ₹12,000/month salaried · ₹50,000/month self-employed
Airport lounge access
No complimentary airport lounge access recorded
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 8 items
IndianOil swipe Fuel Points
Usage-based value5% Fuel Points on eligible non-UPI card swipes at IndianOil; the effective value is 4.8% at ₹0.96 per Fuel Point.
Conditions: 5% Fuel Points on eligible non-UPI card swipes at IndianOil; the effective value is 4.8% at ₹0.96 per Fuel Point.
Grocery Fuel Points
Usage-based value5% Fuel Points on eligible grocery purchases, worth 4.8% through IndianOil conversion.
Bill-payment Fuel Points
Usage-based value5% Fuel Points on eligible bill payments, worth 4.8% through IndianOil conversion.
Other retail Fuel Points
Usage-based value1 Fuel Point per ₹150 on other eligible purchases, including eligible UPI transactions.
250 Fuel Point monthly IndianOil cap for the first six months, then 150
Shown without a cash value5% Fuel Points on eligible IndianOil swipe transactions, groceries and bill payments
Shown without a cash value1 Fuel Point per ₹150 on other eligible purchases, including UPI transactions
Shown without a cash valueFuel Points worth ₹0.96 each when converted to IndianOil XTRAREWARDS points
Shown without a cash value
Fees · 2 items
Annual card fee
Cost ₹500₹500 annual fee before applicable tax.
Joining fee
Cost ₹500₹500 one-time joining fee before applicable tax.
Fee waiver · 2 items
Annual fee waiver
Usage-based · up to ₹500Annual fee may be waived after ₹50,000 of eligible annual spending.
Conditions: Reach ₹50,000 eligible annual spending
₹50,000 annual spend waives the renewal fee
Shown without a cash value
Welcome benefits · 2 items
₹250 welcome voucher
Recorded value ₹250Welcome voucher after the first eligible purchase.
Conditions: Complete the first eligible transaction within 37 days
IndianOil XTRAREWARDS membership
Shown without a cash valueAutomatic complimentary enrolment in IndianOil XTRAREWARDS.
Conditions: Membership is created during card issuance · Membership is required for fuel redemption
Insurance and protection · 1 item
Zero lost-card liability after timely reporting
Shown without a cash value
Fuel benefits · 1 item
1% fuel surcharge waiver at Indian fuel stations on transactions from ₹400, capped at ₹250 per cycle
Shown without a cash value
Memberships · 1 item
Complimentary IndianOil XTRAREWARDS membership
Shown without a cash value
Foreign-currency charges · 1 item
Foreign-currency markup
Usage-based value3.5% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Eligibility and availability · 1 item
Application eligibility
Shown without a cash valueApplication availability: open. Published minimum monthly income: ₹12,000. Self-employed threshold derives from the published ₹6 lakh annual ITR requirement.
Other categories (9)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Spend milestones
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Card tiers
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Airport lounge access
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Movies and entertainment
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Travel privileges
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Dining
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Golf
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Concierge
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Other benefits
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗
What stands out
- ✓ 5% Fuel Points on eligible IndianOil swipe transactions, groceries and bill payments
- ✓ 1 Fuel Point per ₹150 on other eligible purchases, including UPI transactions
- ✓ Fuel Points worth ₹0.96 each when converted to IndianOil XTRAREWARDS points
- ✓ ₹50,000 annual spend waives the renewal fee
What to watch
The eligible IndianOil fuel earn is capped at 150 points per month after the first six months; accelerated fuel rewards do not apply to UPI fuel transactions.
Recorded exclusions
Rent · Wallet load · Cash withdrawal · Emi
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
Affiliate disclosure: Affiliate link · GainFair may earn a commission if you complete a qualifying action. You pay nothing extra, and compensation never affects recommendations or rankings. Read the full disclosure.
Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 13 Sept 2026