Credit Cards · Honest Review
IndianOil HDFC Bank Credit Card
HDFC Bank · RuPay
Your Verdict
- ✓5% fuel points at IndianOil outlets, up to 50 litres of free fuel annually
- ✓5% fuel points on groceries and bill payments (capped per category)
- ✓1 fuel point per 150 on all other spends including UPI
- ✓Fuel surcharge waiver on top of reward points
- ✓Low-cost entry card for regular IndianOil customers
What IndianOil HDFC Bank Credit Card costs you
IndianOil HDFC Bank Credit Card carries a ₹500 annual fee and a ₹500 one-time joining fee. The annual fee is waivable: Spend 50,000 or more in the first year.
| Fee | Amount |
|---|---|
| Annual fee (year 2+) | ₹500 |
| Joining fee (one-time) | ₹500 |
| Fee waiver condition | Spend 50,000 or more in the first year |
| Spend required for waiver | ₹50,000 / year |
| Foreign transaction fee (forex markup) | 3.5% per transaction |
What you earn on every rupee spent
IndianOil HDFC Bank Credit Card earns 0.13% on all eligible spends as a base reward rate, with accelerated rates on fuel, groceries and other bonus categories listed below. Each reward point is worth ₹0.2 when redeemed, giving a clear rupee value for your earnings.
| Category | Reward rate |
|---|---|
| All other spends (base rate) | 0.13% |
| ⛽ Fuel | 5% (cap ₹250/mo) |
| 🛒 Groceries | 5% (cap ₹100/mo) |
Complimentary IndianOil XTRAREWARDS Program (IXRP) membership
Reward types: Cashback · Discounts
Beyond the reward rate
The non-reward benefits on IndianOil HDFC Bank Credit Card are meaningful for frequent users. Here is what you get with the card.
Who can apply for IndianOil HDFC Bank Credit Card
IndianOil HDFC Bank Credit Card requires a minimum net monthly income of ₹12,000 for salaried applicants and a CIBIL score of 700 or above. It is open to salaried employees and self-employed professionals.
| Requirement | Detail |
|---|---|
| Minimum monthly income | ₹12,000 |
| CIBIL score | 700+ (good to excellent) |
| Age range | 21–60 years |
| Employment type | Salaried, Self-employed |
| Typical approval time | 5-7 working days |
Salaried minimum monthly income 12,000; self-employed need ITR above 6 lakh per annum. Max age 65 for self-employed.
Who should (and shouldn't) get IndianOil HDFC Bank Credit Card
- → Heavy spenders on fuel who want 5% back
- → Heavy spenders on groceries who want 5% back
- → Moderate spenders who can clear the fee waiver condition
- → Frequent flyers who need airport lounge access
- → International travelers — the 3.5% forex markup adds up quickly
IndianOil HDFC Bank Credit Card — Questions answered
What is the annual fee for IndianOil HDFC Bank Credit Card?
What is the minimum income required for IndianOil HDFC Bank Credit Card?
What is the reward rate on IndianOil HDFC Bank Credit Card for fuel?
Does IndianOil HDFC Bank Credit Card provide airport lounge access?
How do I get the annual fee waived on IndianOil HDFC Bank Credit Card?
How long does it take to get IndianOil HDFC Bank Credit Card approved?
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Get My Personalised Verdict →Information on this page is gathered from public sources and the card issuer's official website. Fees and reward rates may change — verify the current terms on the issuer's website before applying. SingleVerdict may earn a referral fee if you apply through our links, which does not affect our scoring or editorial decisions.