IndianOil HDFC Bank Credit Card

HDFC Bank · ₹500 a year · fee waived on ₹50,000 of annual spend

A fuel card for IndianOil customers.

Base rate: 0.13% as Fuel Point.

What the bank says

• 5% as Fuel Points at IndianOil pumps
• 5% as Fuel Points on groceries and bills, up to 100 points a month each
• 1 Fuel Point per ₹150 on other spends, including UPI
• Renewal fee waived on annual spends of ₹50,000

Where it pays more

• 1% at IndianOil pumps (5% as Fuel Points)
• 1% on groceries (5% as Fuel Points), up to 100 points a month
• 1% on bill payments (5% as Fuel Points), up to 100 points a month

Things that catch people out

• HDFC Bank calls this “5% Fuel Points”, but a Fuel Point is worth ₹0.20 as cashback, so it is 1% in rupees.
• We assume 90% of your fuel is bought at IndianOil; other pumps earn nothing. HDFC Bank’s page does not state the monthly cap on fuel points.

Joining fee: ₹500. Foreign currency markup: 3.5%.

Read from HDFC Bank’s own page on 2026-09-16.

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