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Last updated: 01-06-2026
IndianOil HDFC Bank Credit Card
HDFC Bank

IndianOil HDFC Bank Credit Card

"HDFC's fuel co-brand card โ€” 50X FuelPoints at IndianOil outlets with 5% cashback on IndianOil fuel transactions via Fuel SmartPay"

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Quick Summary
๐Ÿ’ณ Joining Fee
โ‚น500 + GST
๐Ÿ”„ Renewal Fee
โ‚น500 + GST
Waived: Annual fee waived on spending โ‚น50,000 or more in the membership year
๐ŸŽฏ Best Suited For
Regular IndianOil fuel buyers who want to maximize fuel savings via the HDFC Fuel SmartPay feature; those who refuel at IndianOil stations 3+ times per month
๐ŸŽ Reward Type
FuelPoints (1 FP = โ‚น0.20; redeemable at IndianOil fuel outlets)
๐ŸŽ‰ Welcome Benefit
1,000 bonus FuelPoints on card activation and first IndianOil transaction within 30 days
๐Ÿ’ฐ Reward Rate
50X FuelPoints at IndianOil via HDFC Bank Fuel SmartPay feature (effective 5% fuel cashback via SmartPay); 5X FuelPoints on grocery and dining; 1X on other eligible spends; excludes wallet, EMI, rent, government; FuelPoints valid 3 years
โœˆ๏ธ Lounge Access
No complimentary airport lounge access
โ›ฝ Fuel Waiver
1% fuel surcharge waiver at all fuel stations on transactions โ‚น400 to โ‚น5,000; maximum โ‚น250 per statement cycle
๐Ÿ’ต Cashback Rate
5% effective at IndianOil via SmartPay; plus 1% surcharge waiver
โญ Rate this Card
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โœ… Pros
  • 50X FuelPoints at IndianOil via SmartPay โ€” 5% effective fuel value-back
  • 5X on grocery and dining
  • Low โ‚น500 annual fee with easy โ‚น50K waiver
  • Fuel surcharge waiver at all stations
  • Good fuel-specific alternative to BPCL SBI Octane
โŒ Cons
  • 50X only via SmartPay at IndianOil โ€” not at BPCL or HPCL
  • FuelPoints redeemable only at IndianOil
  • No airport lounge access
  • High forex markup 3.5%
  • Low base rate on non-fuel spends

๐ŸŽ Rewards & Benefits

Reward Type
FuelPoints (1 FP = โ‚น0.20; redeemable at IndianOil fuel outlets)
Welcome Benefits
1,000 bonus FuelPoints on card activation and first IndianOil transaction within 30 days
Reward Rate
50X FuelPoints at IndianOil via HDFC Bank Fuel SmartPay feature (effective 5% fuel cashback via SmartPay); 5X FuelPoints on grocery and dining; 1X on other eligible spends; excludes wallet, EMI, rent, government; FuelPoints valid 3 years
Reward Redemption
FuelPoints redeemable at IndianOil fuel outlets for fuel purchase; 1 FP = โ‚น0.20
Fuel Surcharge Waiver
1% fuel surcharge waiver at all fuel stations on transactions โ‚น400 to โ‚น5,000; maximum โ‚น250 per statement cycle
Lounge Access
No complimentary airport lounge access
Spend Based Fee Waiver
Annual fee waived on โ‚น50,000 spend
Milestone Benefits
Annual fee waiver on โ‚น50K spend; 1,000 FuelPoints on activation
Other Benefits
5X FuelPoints on grocery and dining; fuel surcharge waiver; Fuel SmartPay feature for max earning; contactless payments; manage via HDFC MyCards app; Smart EMI

โœจ Special Perks & Exclusive Offers

Memberships
Details coming soon
Insurance Cover
Zero liability on unauthorized transactions
Add-on Cards
Add-on cards for family
Concierge Services
Details coming soon
Special Offers
50X FuelPoints at IndianOil via SmartPay; 5X on grocery and dining; fuel surcharge waiver

๐Ÿ’ณ Fees & Interest Rates

Joining Fee
โ‚น500 + GST
Annual Fee / Renewal Fee
โ‚น500 + GST
โœ“ Waived on: Annual fee waived on spending โ‚น50,000 or more in the membership year
Interest Rate (APR)
๐Ÿ’ก Pay your balance in full each month and this never applies to you.
3.6% per month (43.2% per annum)
ATM Cash Withdrawal / Cash Advance
2.5% of withdrawn amount, minimum โ‚น500
Late Payment Charges
โ‚น100 to โ‚น1,300 based on outstanding
Over Limit Charges
2.5% of overlimit amount, minimum โ‚น550
Cheque Bounce / Auto-Debit Return
Details coming soon
Other Charges
50X only via SmartPay at IndianOil โ€” not at HPCL or BPCL; FuelPoints redeemable only at IndianOil; low non-fuel reward rate

๐Ÿ“‹ Eligibility & Credit Limit

Eligibility Criteria
Age 21+ years; minimum monthly income โ‚น15,000; Indian resident; CIBIL 650+
Credit Score Requirement
650+ CIBIL recommended
Credit Limit
Based on income and HDFC Bank assessment

๐Ÿ“… EMI, Balance Transfer & Debt Management

EMI Conversion
Smart EMI on transactions above โ‚น2,500
Balance Transfer Facility
Available
Balance Transfer Interest Rate
As per HDFC Bank prevailing rates
Balance Transfer Charges
Details coming soon

๐Ÿ”’ Security & Fraud Protection

Card Block Feature
Instant block via HDFC MyCards app
Instant Fraud Alerts
SMS and email alerts
Purchase Protection
Zero liability on reporting
Virtual Card Numbers
Details coming soon
Zero Liability Protection
Zero liability after reporting

๐Ÿ“ž Customer Service & Digital Experience

Phone Support
1860 267 6161 (24x7)
Chat / Email Support
Chat via HDFC iMobile app
Mobile App
HDFC Bank MyCards app: manage card, Fuel SmartPay, track FuelPoints
Online Banking
HDFC NetBanking

Last updated: 01-06-2026

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Printed: 23 Oct 2026, 09:32 PM
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