IndianOil HDFC Bank

Rewards

• Groceries 5% Fuel Points
• Bill Payments 5% Fuel Points
• Other purchases, including UPI tran 1 Fuel Point for every ₹150 spent

Reward cap

IndianOil fuel: maximum 250 Fuel Points per month for the first 6 months, then 150 per month — groceries and bill payments: maximum 100 Fuel Points per month for each category. Cashback/travel redemption capped at 50,000 points per month per customer.

Lounge access

Included

Does not earn on

No Reward Points accrual on Spends made on Rental and Government category payments. · Rental & Government payments, fuel at other pumps, wallet loading, returned/disputed/fraudulent transactions, EMI, account fees, jewellery/gold.

Annual fee

₹500

Joining fee

₹500

Fee waiver

Spend ₹50,000 in a year

Foreign purchases

3.5% markup on international spends

Eligibility

Salaried · Income ₹12,000/month

Repayment

Pay the full statement balance to avoid interest; interest and late fees follow the issuer's schedule of charges.

Differences found when this card's published terms were re-verified against HDFC Bank's own pages. Only independently approved changes appear here.

1. Reward cap

   Newly listed
   IndianOil fuel: maximum 250 Fuel Points per month for the first 6 months, then 150 per month; groceries and bill payments: maximum 100 Fuel Points per month for each category. Cashback/travel redemption capped at 50,000 points per month per customer.

   Reward cap is now listed as IndianOil fuel: maximum 250 Fuel Points per month for the first 6 months, then 150 per month; groceries and bill payments: maximum 100 Fuel Points per month for each category. Cashback/travel redemption capped at 50,000 points per month per customer.

   Verified 12 Sep 2026 · issuer page↗

No admissible cardholder observations are on file for this card yet. Nothing is invented to fill the gap.

No verified offer currently names this exact card. Offers from the same bank for other cards are not assumed to apply.