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IndianOil HDFC Bank Credit Card

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Card review

IndianOil HDFC Bank Credit Card

3.9 7.8/10 DebitCue Score Verified Jun 20, 2026

India's top fuel rewards card — up to 50 litres of free fuel annually

Fee: ₹500 INR/yr (≈ $6); Waived on ₹50,000 annual spend
Purchase APR: from 45%
Interest-free: 50 days
Foreign fee: 3.5%

Rewards

5% Fuel Points on IndianOil outlets, groceries and bill payments; 1 Fuel Point per ₹150 on other spends (incl. UPI via RuPay variant); 1 Fuel Point = ₹0.96 at IndianOil XTRAREWARDS

Welcome offer

₹250 welcome gift voucher

Our verdict

What stands out, and where it falls short.

What we like

5% Fuel Points on IndianOil outlets, groceries and bill…
Welcome bonus
50-day interest-free period

Worth weighing

₹500 INR/yr (≈ $6) card fee
3.5% foreign transaction fee
High interest if you carry a balance

Who It Is For

Whether the IndianOil HDFC Bank Credit Card fits how you actually spend.

Pick it if you are

People who want rewards on their spending

Skip it if you are

Light spenders who won't beat the ₹500 INR/yr (≈ $6) fee
Frequent international travelers

Rates and fees

As of June 20, 2026

All amounts shown in INR.

Card fee: ₹500 INR/yr (≈ $6)
Purchase APR: from 45%
Interest-free period: 50 days
Foreign transaction fee: 3.5%
Monthly Interest Rate: 3.75% per month (45% p.a.)

Rewards and features

Rewards: 5% Fuel Points on IndianOil outlets, groceries and bill payments; 1 Fuel Point per ₹150 on other spends (incl. UPI via RuPay variant); 1 Fuel Point = ₹0.96 at IndianOil XTRAREWARDS
Welcome offer: ₹250 welcome gift voucher
Pay with: Contactless
Fuel Points Cap: Max 250 FP/month for first 6 months; 150 FP/month thereafter; groceries/bills capped at 100 FP each
Fuel Points Validity: 2 years from accumulation date
Card Variants: Available on Visa and RuPay networks; RuPay enables UPI credit card usage

Eligibility

What you need before you apply.

Minimum Income (Salaried): ₹10,000–₹25,000/month (entry-level card)

IndianOil HDFC Bank Credit Card: your questions answered

How much does the IndianOil HDFC Bank Credit Card cost?

The IndianOil HDFC Bank Credit Card costs ₹500 INR/yr (≈ $6). Waived on ₹50,000 annual spend.

What rewards does the IndianOil HDFC Bank Credit Card earn?

The IndianOil HDFC Bank Credit Card earns 5% Fuel Points on IndianOil outlets, groceries and bill payments; 1 Fuel Point per ₹150 on other spends (incl. UPI via RuPay variant); 1 Fuel Point = ₹0.96 at IndianOil XTRAREWARDS.

Does the IndianOil HDFC Bank Credit Card charge foreign transaction fees?

Yes - the IndianOil HDFC Bank Credit Card charges a 3.5% foreign transaction fee.

Is there an interest-free period on the IndianOil HDFC Bank Credit Card?

Yes - up to 50 days interest-free when you pay your balance in full by the due date.

What is the interest rate on the IndianOil HDFC Bank Credit Card?

The IndianOil HDFC Bank Credit Card has a purchase APR of from 45%.

Does the IndianOil HDFC Bank Credit Card have a welcome offer?

Yes - ₹250 welcome gift voucher.

Is the IndianOil HDFC Bank Credit Card a credit, debit or prepaid card?

The IndianOil HDFC Bank Credit Card is a credit card issued by HDFC Bank on the Visa network.

Does the IndianOil HDFC Bank Credit Card support Apple Pay and Google Pay?

The IndianOil HDFC Bank Credit Card does not list Apple Pay or Google Pay support.

Where can I get the IndianOil HDFC Bank Credit Card?

The IndianOil HDFC Bank Credit Card is currently offered in India, Indonesia, Japan, Malaysia, Philippines, Singapore, South Korea, Taiwan and 2 more.

How does DebitCue rate the IndianOil HDFC Bank Credit Card?

DebitCue rates the IndianOil HDFC Bank Credit Card 3.9 out of 5 (7.8/10), scored on the same factors as every card - fees, rewards, perks and ease of use.