IndianOil HDFC Bank Credit Card
HDFC Bank
The strongest fuel-rewards card in the HDFC lineup for IndianOil-specific spending.
₹500
Joining fee
₹500
Annual fee
Waived if Rs 50,000+ is spent yearly (on the Rs 500 annual fee).
3.5%
Forex markup
4.0 / 5
Rating
Eligibility
Estimated minimum income: ₹12,000+/month
Estimated — not officially confirmed by the bank.
Minimum CIBIL score: 750
Salaried Rs 12,000/month; self-employed ITR exceeding Rs 6 lakh/year; CIBIL not found.
Key features
- 5% Fuel Points at IndianOil outlets, on groceries, and on bill payments
- 1% fuel surcharge waiver
Reward details
1 fuel point per Rs 150 spent on other categories (approx 0.64%)
- 5% in fuel points on Fuel spend at IndianOil (IOCL) outlets — 250 points/month for first 6 months, then 150 points/month thereafter
- 5% in fuel points on Groceries and bill payments — 100 points/month each
Redemption
Fuel points convert to IOCL points
Ratio: Rs 0.96/point
Excluded from rewards: rent, government payments
- 1% fuel surcharge waiver at all fuel stations, minimum Rs 400 transaction, capped at Rs 250/month
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Complaints
- Capping on fuel-point earning restricts maximum monthly savings despite decent headline percentage returns; redemption value can be limited when converting for generic cashback rather than IOCL points specifically — Paisabazaar
Sources
- Aggregator — fees, eligibility, forex, lounge, rewards, sentiment
- Official — status confirmation