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HDFC Indian Oil credit card

HDFC Bank

HDFC Indian Oil Credit Card

Best for IndianOil fuel spends

₹500/yr annual fee · 1.33x rewards

By FinWiz24 Research Desk · Reviewed by FinWiz24 Research Desk · How we review

Annual fee

₹500/yr

Reward rate

1.33x

Min. income

₹1,44,000

Forex markup

3.5%

Lounge access

None

Eligibility

₹1.44 lakh/yr

Reward cap

Max 250 FP/month in first 6 months; max 150 FP/month thereafter

Welcome benefit

Renewal membership fee waived on spending Rs 50,000+ in the first year

IndianOil HDFC Bank Credit Card earns 5% fuel points at IndianOil pumps, groceries and bills, waives 1% fuel surcharge up to Rs 250, and costs Rs 500.

Who is this for

  • Daily driver
  • Rewards optimiser

What we like

  • Fuel surcharge waiver

Watch out for

  • 3.5% foreign-transaction markup

Issuer

Bank

HDFC Bank

Private sector bank

All HDFC Bank cards →

Headquarters

Mumbai, Maharashtra

Established 1994

Toll-free

1800-202-6161

Customer care: 1860-267-6161

Network

RuPay

See all cards on this network

Fees and charges

Fee Amount Waiver
Joining fee ₹500 Not waivable
Annual fee ₹500 Not waivable
Renewal fee ₹500 Spend Rs 50,000+ in the first year for renewal-fee waiver
Forex markup 3.5% Not waivable
Fuel surcharge 1% 1% fuel surcharge waiver at all Indian fuel stations, min Rs 400 per transaction, max Rs 250 cashback per statement cycle

Rewards

Spend category Rate Cap Redemption
All spends Earn 1 Fuel Point for every Rs 150 spent on all other purchases (including UPI transactions) 1 FP = Rs 0.96 as fuel via XtraRewards; Rs 0.20 cashback/catalogue
FUEL Earn 5% of your spends as Fuel Points at IndianOil outlets (card swipes) Max 250 FP/month in first 6 months; max 150 FP/month thereafter 1 FP = 3 XRP, redeemable for fuel at IndianOil outlets
GROCERIES Earn 5% of spends as Fuel Points on groceries and bill payments (POS and e-commerce) Max 100 FP per month in each category 1 FP = Rs 0.96 as fuel

Benefits

  • Free fuel up to 50 litres/year Highlight

    Earn up to 50 litres of free fuel annually via Fuel Points, plus up to 1% fuel-surcharge waiver of max Rs 250 per statement cycle

  • XtraRewards membership

    Complimentary IndianOil XtraRewards (IXRP) program membership for Fuel Point redemption at pumps

  • Renewal fee waiver

    Renewal membership fee waived on spending Rs 50,000+ in the first year

Eligibility

Age
21–65 years
Min. income
₹1,44,000
Documents
Salaried Indians 21-60 with net monthly income above Rs 12,000; self-employed 21-65 with ITR above Rs 6 lakh.

Read the full application walkthrough: HDFC Indian Oil Credit Card apply guide.

Fees and charges

  • Joining fee: Rs 500
  • Annual fee: Rs 500
  • Renewal fee: Rs 500 — Spend Rs 50,000+ in the first year for renewal-fee waiver
  • Forex markup: 3.5%
  • Fuel surcharge: 1% — 1% fuel surcharge waiver at all Indian fuel stations, min Rs 400 per transaction, max Rs 250 cashback per statement cycle

Rewards

  • ALL: Earn 1 Fuel Point for every Rs 150 spent on all other purchases (including UPI transactions) Redemption: 1 FP = Rs 0.96 as fuel via XtraRewards; Rs 0.20 cashback/catalogue.
  • FUEL: Earn 5% of your spends as Fuel Points at IndianOil outlets (card swipes) (Cap: Max 250 FP/month in first 6 months; max 150 FP/month thereafter) Redemption: 1 FP = 3 XRP, redeemable for fuel at IndianOil outlets.
  • GROCERIES: Earn 5% of spends as Fuel Points on groceries and bill payments (POS and e-commerce) (Cap: Max 100 FP per month in each category) Redemption: 1 FP = Rs 0.96 as fuel.

Benefits

  • Free fuel up to 50 litres/year: Earn up to 50 litres of free fuel annually via Fuel Points, plus up to 1% fuel-surcharge waiver of max Rs 250 per statement cycle
  • XtraRewards membership: Complimentary IndianOil XtraRewards (IXRP) program membership for Fuel Point redemption at pumps
  • Renewal fee waiver: Renewal membership fee waived on spending Rs 50,000+ in the first year

Eligibility

  • Minimum income: Rs 1,44,000 per annum
  • Age: 21-65 years Salaried Indians 21-60 with net monthly income above Rs 12,000; self-employed 21-65 with ITR above Rs 6 lakh.

Terms last reviewed 3 Sept 2026 against issuer-published schedules.

Issuer: HDFC Bank. FinWiz24 may earn a commission from application links; scoring is unaffected — see our affiliate disclosure.

Apply for HDFC Indian Oil Credit Card

Last reviewed · How we review

FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.

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