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HDFC Bank
IndianOil HDFC Bank Credit Card
•••• 6558Visa / RuPay
UPI readyVisa / RuPay

IndianOil HDFC Bank Credit Card

by HDFC Bank · Updated October 2026

5% back as Fuel Points at IndianOil pumps, on groceries and on bill payments.

Best for IndianOil fuel · 5% at IndianOil
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You'll apply on the official HDFC Bank page. We never ask for your details.

Joining fee₹500
Annual fee₹500
Fee waiver₹50,000 spend
Lounge accessNone
UPIYes (RuPay)

Key benefits

01

5% as Fuel Points at IndianOil, groceries and bills

02

1 Fuel Point per ₹150 elsewhere (incl. UPI)

03

Redeem for free fuel at IndianOil (≈₹0.96 per point)

04

Fee waived on ₹50,000 yearly spend

Good to know

Fuel Points are capped at 250/month for the first 6 months, then 150/month. Redeemed as cashback they're worth only about ₹0.20 each.

Rewards by spend category

Approximate value back on every ₹100 you spend.

Groceries5%
Fuel5%
Bills & recharges5%
Online shopping0.6%
Food delivery & dining0.6%
UPI scan & pay0.6%
Travel & flights0.6%
Everything else0.6%

Pros

  • Rewards on fuel, groceries and bills
  • Works on UPI with the RuPay variant
  • Easy fee waiver

Cons

  • Monthly cap of 150 Fuel Points after 6 months
  • Best value only when redeemed for fuel
  • Low rewards on other spends

Is the IndianOil HDFC Bank Credit Card worth it?

The IndianOil HDFC Bank Credit Card is worth it if you spend a lot on groceries (5%) and fuel (5%). The ₹500 annual fee is waived when you spend ₹50,000 a year (about ₹4,167 a month), so it's worth it if you'll hit that. It's less suitable if monthly cap of 150 Fuel Points after 6 months.

Featured in: Best Credit Cards for UPI Payments (RuPay) · Best Fuel Credit Cards in India · Best Credit Cards for Bill Payments & Recharges

Compare: IndianOil HDFC vs BPCL SBI Card OCTANE

Eligibility & documents

Age

21–60 years (salaried), up to 65 (self-employed)

Income

Regular income; the bank sets the minimum

Credit score

750+ gives the best approval chances

Documents

PAN, Aadhaar, and recent salary slips or ITR

How to apply

  1. Tap "Apply now"You'll be taken to the official HDFC Bank application page.
  2. Fill in your detailsPAN, income and address. Most applications take under 10 minutes.
  3. Complete KYCVideo KYC or Aadhaar e-KYC, depending on the issuer.
  4. Get your cardApproval usually takes 2–7 working days, and some cards are issued instantly.
Apply now

FAQs about IndianOil HDFC Bank Credit Card

What is the annual fee of the IndianOil HDFC Bank Credit Card?

The joining fee is ₹500 and the annual fee is ₹500 (plus GST). The annual fee is waived if you spend ₹50,000 or more in a year.

Can I use the IndianOil HDFC Bank Credit Card on UPI?

Yes. The IndianOil HDFC Bank Credit Card is available on RuPay, so you can link it to UPI apps like GPay, PhonePe and Paytm and pay at any merchant QR code.

Does the IndianOil HDFC Bank Credit Card give airport lounge access?

No, the IndianOil HDFC Bank Credit Card doesn't include complimentary lounge access.

Who should get the IndianOil HDFC Bank Credit Card?

It's best for indianoil fuel. 5% back as Fuel Points at IndianOil pumps, on groceries and on bill payments.

Alternatives

Similar cards

IndianOil HDFC Bank Credit Card₹500/yr · 5% at IndianOil
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