Last updated: |Data verified from official bank sources
Mid-Range
HDFC IndianOil Credit Card
HDFC Bank
Best for: IndianOil loyalists spending ₹5K/month on fuel
₹500
Annual Fee
5%
Reward Rate
N/A
Forex Markup
None
Domestic Lounge
None
Intl Lounge
Best for: IndianOil loyalists spending ₹5K/month on fuel
Things to Watch Out For
- •Only works at IndianOil pumps
- •Max benefit ₹250/month (effective ~0.5% on ₹50K fuel spend)
Fees & Charges
Joining Fee₹500
Annual Fee₹500
Fee WaiverSpend ₹50K annually
Rewards
TypeFuelPoints
Base Rate5%
Effective Return5%
Accelerated Categories
IndianOil fuel5% (5%)cap: ₹250/month
Lounge Access
DomesticNone
InternationalNone
Eligibility
Minimum Income₹3.0L/year
Available on: Visa, Mastercard
Frequently Asked Questions
What is the annual fee for HDFC IndianOil Credit Card?▼
HDFC IndianOil Credit Card has an annual fee of ₹500. Spend ₹50K annually
What rewards does HDFC IndianOil Credit Card offer?▼
HDFC IndianOil Credit Card offers 5% on all spends, with an effective value of 5%.
Does HDFC IndianOil Credit Card have lounge access?▼
HDFC IndianOil Credit Card does not include complimentary lounge access.
What is the minimum income required for HDFC IndianOil Credit Card?▼
The minimum income requirement for HDFC IndianOil Credit Card is ₹3.0 lakhs per annum.
Information sourced from HDFC Bank official website. Last verified: February 2026.
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