Card Details
IndianOil HDFC Bank Credit Card
Card Issuer
HDFC Bank
Joining Fee
₹500
Annual Fee
₹500
Reward Type
Reward Points
Card Access
Standard
Changes to this card
Offers from HDFC Bank
See allEarn Points
5Pts
/₹100 At indianoil, non-upi only (first 6 months, max ₹240/mo)
5Pts
/₹100 At indianoil, non-upi only (after 6 months, max ₹144/mo)
5Pts
/₹100 On grocery purchases (max ₹96/mo)
5Pts
/₹100 On bill payments (max ₹96/mo)
Benefits
0.2₹ per Fuel Point → Flight Bookings
1% Fuel Surcharge Waived All Stations
- 5% Off as Fuel Points at Indianoil
Zero Fraud Liability With 24/7 Reporting
Railway Bookings & Travel Rewards
1 Fuel Point/₹150 Other Purchases
5% Grocery Spends as Fuel Pts
0.2₹ per Fuel Point → Hotel Bookings
₹500 Fee, Waived at ₹50K Annual Spend
Reward Calculator
NOTE: Enter your monthly spends to see
projected returns.
Excluded: rent, wallet, government, emi, gold
Estimated Returns
Fuel at IndianOil outlets
5% as Fuel Points; cap 150 FP/month (250 FP/month for first 6 months). 1 FP=Rs.0.96 for fuel via IXRP (Rs.0.20 for catalogue/cashback)
₹144
Groceries
5% as Fuel Points; capped 100 FP/month (=Rs.96 @0.96)
₹96
Bill payments / Utilities
5% as Fuel Points; capped 100 FP/month
₹96
All other spends (incl UPI)
1 Fuel Point per Rs.150
₹148
Total Annual Return
₹5,807
1.61% Effective ROIThings to Keep in Mind
The 5% earning rate is in the form of 'Fuel Points', not direct cashback.
The value of a Fuel Point is lower when redeemed for statement credit (₹0.20) compared to its potential value for fuel.
Monthly limits apply to all accelerated earning categories.
