HDFC Indian Oil
HDFC Bank · Visa
HDFC Indian Oil credit card earns accelerated reward points at IndianOil fuel stations and waives the fuel surcharge, making it a top pick for daily commuters.
Annual Fee
₹500
Waived at ₹0.5L spend
Joining Fee
₹500
Base Reward Rate
3X
₹0.5/pt
Min CIBIL
680
₹2L+ income
Key Features
Welcome Benefits
250 Bonus Fuel Points on First Spend
Earn 250 fuel points worth ₹75 as IndianOil fuel credit on first transaction within 90 days
Zero Fuel Surcharge
No surcharge at any IndianOil XTRA outlet across India
Reward Rates by Category
Dining
2X
Travel
3X
Online
2X
Shopping
2X
Grocery
2X
Fuel
6X
Utilities
1X
Other
2X
Partner Earn Rates
| Partner | Category | Earn Rate |
|---|---|---|
| IndianOil XTRA | Fuel | 10X |
| BigBasket | Grocery | 4X |
| Swiggy | Food Delivery | 4X |
Milestone Benefits
Annual Fee Waiver
Spend ₹50,000 in a year to waive the ₹500 annual fee
Annual
Airport Lounge Access
Domestic
0 visits/year
International
0 visits/year
Insurance & Protection
Personal Accident Cover
Accidental death cover for primary cardholder
Credit Shield
Dues waived on accidental death
Pros
- 5% value back at IndianOil pumps
- Fuel surcharge waiver
- Annual fee waived on spend
- Points on groceries and dining
- Quick approval
Cons
- Best value only at IndianOil outlets
- No lounge access
- Low rewards on other categories
Frequently Asked Questions
How much do I earn at IndianOil?+
Where can I redeem fuel points?+
Fuel surcharge waiver?+
What on other spends?+
Annual fee?+
Ready to apply?
Apply on the HDFC Bank website. Usually takes 10 minutes.
User Reviews
No reviews yet. Be the first to share your experience.
Share your experience
Have this card? Help others decide.
Sign in to write a reviewNew here? Create a free account
HDFC Indian Oil
₹500/yr · 3X rewards
We may earn a commission if you apply via our link — no extra cost to you.
On this page