HDFC Bank IndianOil Credit Card — Rewards, Fees & Value
HDFC Bank · rupay · entry
Best reward rate
5%
Annual fee
₹500
Type
Cashback
Reward rate by category
Effective value back per ₹100 spent, after our cap-aware audit. Direct cashback.
Key benefits
- 5% Fuel Points on IndianOil fuel outlets (capped 250 FP/month first 6 months, then 150 FP/month)
- 5% Fuel Points on groceries (capped 100 FP/month)
- 5% Fuel Points on bill payments (capped 100 FP/month)
- 1 FP per ₹150 on all other spends
- 1% fuel surcharge waiver (min ₹400, max ₹250/month)
- UPI payments supported via RuPay network
See what this card is worth for your spending
Calculate your exact points value, or let the Card Finder check whether the IndianOil belongs in your stack.
FAQs
What is the reward rate on the IndianOil credit card?
The HDFC Bank IndianOil Credit Card earns up to 5% effective value on fuel and 5% on groceries. Its base rate is about 1%.
What is the annual fee of the IndianOil?
The IndianOil has an annual fee of ₹500, waived on annual spends of ₹50,000 or more.
Reward data last verified 2026-06-16. Rates and fees change frequently — always confirm on the issuer's website before applying. RewardsAI is an independent tool and not affiliated with HDFC Bank.