IndianOil HDFC Bank Credit Card
HDFC Bank · Checked 2026-10-11
IndianOil HDFC Bank Credit Card is a paid card focused on fuel savings, bills and reward points, charging ₹500 annually before GST.
CardIQ editorial view
Our take
IndianOil HDFC Bank Credit Card is a paid card focused on fuel savings, bills and reward points, charging ₹500 annually before GST.
Who it suits
- People who prioritise fuel savings.
- People who prioritise bills.
- People whose normal usage can recover the annual fee through relevant benefits.
Key strengths
- Fuel Points on eligible IndianOil, grocery and bill-payment spends.
Trade-offs to understand
- Fuel Points on eligible IndianOil, grocery and bill-payment spends; issuer caps, exclusions and redemption rules apply.
- The ₹500 annual fee plus GST needs to be justified by benefits you will actually use.
CardIQ verdict
It deserves a place on the shortlist when your normal spending makes fuel points on eligible indianoil, grocery and bill-payment spends valuable enough to clear the fee. Factor in this condition: Fuel Points on eligible IndianOil, grocery and bill-payment spends; issuer caps, exclusions and redemption rules apply.
Compare before deciding
- HPCL ENERGIE BOBCARD — A similarly priced alternative for comparing reward points and fuel savings.
- ICICI Bank HPCL Super Saver — A similarly priced alternative for comparing reward points and fuel savings.
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Benefits, limits and conditions
- Fuel Points on eligible IndianOil, grocery and bill-payment spends; issuer caps, exclusions and redemption rules apply.
- No spend-based fee waiver is represented; confirm the current fee terms with HDFC Bank.
- Benefits and eligibility remain subject to the current HDFC Bank product terms.