IndianOil HDFC Bank Credit Card
Best for: drivers who fill up at IndianOil and want a low-fee card that also rewards groceries and bill payments.
Why it ranks
- Low ₹500 fee, waived on ₹50,000 first-year spend
- Easy income requirement
- Fuel Points also earned on groceries and bills
What holds it back
- Tight monthly Fuel Point caps
- No lounge access
- 3.5% forex markup
Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.
The IndianOil HDFC Bank Credit Card earns 5% as Fuel Points at IndianOil outlets and on groceries and bill payments, within monthly caps. It has a ₹500 fee, waived on ₹50,000 first-year spend, and a low income requirement.
IndianOil HDFC Bank Credit Card at a glance
| Issuer | HDFC Bank |
| Card network | Visa or RuPay |
| Annual fee | ₹500 + GST (renewal fee waived on ₹50,000 spend in the first year) |
| Welcome bonus | ₹250 voucher on activating the card and making one transaction within 37 days of issuance |
| Rewards rate | 5% as Fuel Points at IndianOil outlets; 5% on groceries and bill payments (up to 100 points a month per category); 1 Fuel Point per ₹150 on other spends, including UPI; monthly caps of 250 Fuel Points in the first 6 months and 150 after, as listed by HDFC Bank |
| Intro APR | None |
| Regular APR | 3.75% a month (45% a year) |
| Foreign transaction fee | 3.5% of the transaction value |
| Airport lounge access | None |
| Credit needed | Salaried: net monthly income above ₹12,000, age 21 to 60; self-employed: ITR above ₹6 lakh, age 21 to 65 |
| Best for | Drivers who fill up at IndianOil and want a low fee and easy eligibility |
Key features
- Up to 50 litres of free fuel a year, as published by HDFC Bank
- 5% Fuel Points at IndianOil outlets
- 5% Fuel Points on groceries and bill payments, up to 100 points a month each
- 1% fuel surcharge waiver (minimum ₹400 transaction, up to ₹250 a cycle)
- Complimentary IndianOil XTRAREWARDS membership
Before you apply: confirm the current fee, reward rates and eligibility on the issuer's official site. BestCreditCards is an independent ranking site, not the card issuer, and this is not financial advice.
Sources: hdfc.bank.in · hdfc.bank.in
How it ranks against similar India cards
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | HHDFC BankIndianOil₹500/yr · IN IndianOil HDFC Bank Credit CardDrivers who fill up at IndianOil and want a low fee and easy eligibility |
₹500/yr | 5% as Fuel Points at IndianOil outlets; 5% on groceries and bill payments (up to… | ₹250 voucher on activating the card and making one transacti… | 3.5% of the transaction va… | Salaried: net monthly income abo… | |
| 2 | SSBI CardBPCL SBI OCTANE₹1,499/yr · IN BPCL SBI Card OCTANEDrivers who fill up at BPCL pumps and spend on dining and groceries |
₹1,499/yr | 25 Reward Points per ₹100 on BPCL fuel, lubricants and Bharatgas (website and ap… | 6,000 bonus Reward Points (worth ₹1,500) on payment of the a… | 3.5% foreign currency tran… | See issuer |
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