cards / co_branded / hdfc-indianoil
HDFCRuPayco-branded

IndianOil HDFC Bank Credit Card

Best if you’re loyal to this brand — it pays off on that ecosystem, less so elsewhere.

excellent shape
health 100/100
annual fee₹ 500/yr
joining fee₹ 500
fee waiver at₹ 50,000/yr
base earn rate0.67 / ₹100
rewards inFuel Points
forex markup3.5%
welcome benefit₹ 250
min. income₹ 1,44,000/yr

✓ best for

FuelGrocery (all)Utilities & Bills

⚠ heads up

no major caveats we’re tracking.

earn rates

categoryratecap/mo
base · everything else0.67 / ₹100
Fuel5 / ₹100
Grocery (all)5 / ₹100₹ 100
Utilities & Bills5 / ₹100₹ 100

benefits & perks

Fuel Surcharge Waiver~₹ 250/yr

A 1% fuel surcharge is waived on all fuel transactions exceeding Rs. 400 at all fuel stations across India. You can get a maximum cashback of Rs 250/- per statement cycle.

unlocks at ₹ 400/yr

Welcome Benefits

Voucher Worth ₹250

run your spend profileto see this card's value for you.