HDFC Bank IndianOil HDFC Bank credit card
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IndianOil HDFC Bank credit card

5% fuel points at IndianOil pumps plus 5% on grocery and bills.

40
Personal score40/100● Weak fit
Recurring net savings₹4,632/yrafter fee, GST and caps · bills paid in full
First-year value₹4,282incl. ₹240 welcome, ₹590 joining fee
Effective savings rate1.4%on ₹3,26,640 card spend · 6% = full marks
Annual fee (incl. GST)Waived ₹590waiver at ₹50,000 spend
Lounge access✈ noneyou can use 0 of your visits
PersonaliseOfficial page ↗

Source: HDFC Bank – IndianOil HDFC Bank product page · last reviewed 2026-09-12

Standard profile
Scored for Typical Indian cardholder · ₹32k/monthBills paid in full · first-year offers shown separately · set up your profile to score cards for your own spend

Why it fits – and what to watch

hover any tile for the detail
₹1,728/yr5% Fuel Points at IndianOil (fuel assumed…
Waived₹590 fee
0/2lounge visits covered
1/1lifestyle perks matched
−₹2,362lost to caps

! No usable lounge access although you asked for it.

Where the money comes from

₹4,632/yr · 1.4%
5% Fuel Points at IndianOil (fuel assumed at…on ₹36,000₹1,728
Base rate 0.64% on other spendson ₹2,17,440₹1,392
5% on grocery & bill payments (cap 100 pts/mo)on ₹73,200 · cap hit₹1,152
Fuel surcharge waiver₹360

UPI QR spend is left out – not a RuPay card (UPI is counted once, on RuPay cards only).

How ₹4,632/yr is calculated
IndianOil HDFC Bank
+ Reward value on your spendat ₹0.96/Fuel Points realistic value
₹4,272
+ Fuel surcharge waiver1% up to ₹250/month
₹360
+ Annual fee incl. 18% GSTwaived – ₹590 at ₹50,000 spend
₹0
= Recurring net savings
₹4,632/yr
÷ card spend counted UPI-only rupees excluded on non-RuPay cards
₹3,26,640
= Effective savings rate
1.4%

How the score of 40 is built

weights total 100% · methodology
Net savings rate29/100 × 55%15.8
Usable lounge access0/100 × 15%0.0
Redemption flexibility60/100 × 10%6.0
Lifestyle fit100/100 × 10%10.0
Simplicity60/100 × 5%3.0
Fee safety100/100 × 5%5.0

Airport lounges with this card

This card has no complimentary lounge access. Find cards that get you in →

What changed on this card

  1. New feeHDFC Bank

    HDFC Bank: 1% fee on rent, high utility and gaming spends; insurance reward caps

    From 1 July 2025 HDFC cards charge 1% (capped at ₹4,999 a month) on rent payments, on all utility transactions once monthly utility spend crosses ₹50,000 on personal cards, and on online skill-based gaming above ₹10,000 a month (gaming also earns no points). Insurance reward points are capped at 10,000 a month on Infinia, 5,000 on Diners Black and 2,000 on other cards.

    Cards: Infinia Metal, Diners Club Black Metal, Regalia Gold, Regalia, Millennia, Swiggy HDFC Bank, Tata Neu Infinity HDFC Bank, Tata Neu Plus HDFC Bank +10 more · Source: Business Standard – HDFC credit card users alert: new fees, reward caps from July 1 · verified 2026-09-19

All credit card changes →

Card facts

💳 Base earn0.64%value on eligible spend
⚡ Accelerated4.8% 5% Fuel Points at IndianOil 4.8% 5% on grocery & bill…
🚫 No rewards onrent
🏷️ Fees₹590/yr incl. GSTwaived on ₹50,000 spend · joining ₹500
🎁 Welcome (year 1)≈ ₹240250 Fuel Points on fee payment
🏁 Milestonesnone
✈️ Lounge✈0 dom🌏0 intlNone
🌏 Forex markup3.5%+ GST on the markup
🔁 Redemption₹0.96/Fuel Points ★★★☆☆1 Fuel Point = ₹0.96 of fuel at IndianOil; ₹0.20 elsewhere.
🧩 Simplicity★★★☆☆a few caps to track
🎯 Lifestylefuel waiver
🪪 EligibilityIncome ₹3L+/yr

At a glance

  • Up to 6% back at IndianOil
  • Cheap fee
  • Grocery and bills bonus
  • Tight caps
  • IndianOil only
  • No lounge

Compare IndianOil HDFC Bank with

Community Q&A on the IndianOil HDFC Bank

Threaded questions from cardholders · the Advisor can add a computed answer.

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Frequently asked questions

What is the annual fee of the IndianOil HDFC Bank?

Joining fee ₹500 and renewal fee ₹500, plus 18% GST (₹590 a year). The renewal fee is waived if you spend ₹50,000 in the card year.

Does the IndianOil HDFC Bank give airport lounge access?

No lounge access. None.

How much can I save with the IndianOil HDFC Bank?

For our example profile (Typical Indian cardholder (₹32k/month)) the recurring net saving is ₹4,632 a year, an effective savings rate of 1.4% after the fee. Use Find My Card to see your own number – it depends on where you spend and which caps you hit.

What are the IndianOil HDFC Bank's reward exclusions and caps?

No rewards on rent. 5% Fuel Points at IndianOil (fuel assumed at IOCL, cap 250 pts/mo): capped at ₹240 a month; 5% on grocery & bill payments (cap 100 pts/mo): capped at ₹96 a month

Sources

Reviewed 2026-09-12. Point values are our realistic estimates – see methodology. Also: IndianOil HDFC Bank lounge access by airport · all HDFC Bank cards · change log.