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HDFC Bank Dealer Credit Card
Visa
HDFC Bank Dealer Credit Card
HDFC Dealer Credit Card is a highly specialized, zero-fee card for petrol pump dealers procuring fuel stock from oil marketing companies — its value lies entirely in the predictable 22-day credit window and SmartEMI flexibility for large procurement purchases, not in rewards. This is a working-capital tool for a narrow professional category, not a card for general business or personal use.
Annual fee
₹0
Joining fee
₹0
Reward type
cashback
Base reward rate
0.5%
Card network
Visa
Card tier
Entry
Who this card fits
Best suited to business owners managing company spend who clear the standard eligibility bar whose spend is concentrated in fuel. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 0.5% base rate
Benefits by category
- ⛽ Fuel
0.5% reward rate · Fuel surcharge waived specifically on online fuel purchase transactions made with oil marketing companies
Eligibility
- Employment: self-employed
- Age: 21–65
Fees & charges
- Rewards redemption fee: No redemption fee — cashback credits automatically to the statement
- Fuel surcharge waiver: 1% fuel surcharge waived on online fuel procurement transactions with oil marketing companies
- Cash advance charges: 2.5% of the transaction amount or ₹500, whichever is higher, plus applicable GST
Benefits
- Fuel surcharge waived specifically on online fuel purchase transactions made with oil marketing companies
- A structured 15+7 day credit period (up to 22 days in total) for settling fuel procurement, with the option to convert larger purchases into SmartEMI plans spread over 9 to 36 months
Pros
- + No issuance or usage charges for an otherwise specialized commercial product
- + Fuel surcharge waived on online fuel procurement transactions
- + SmartEMI conversion option (9-36 months) helps dealers manage large, lumpy procurement costs
- + Structured 15+7 day credit period gives dealers a predictable settlement window
- + Purpose-built for the specific cash flow pattern of fuel dealership procurement
Cons
- − Extremely narrow use case — useful only for fuel procurement by petrol pump dealers
- − Short 22-day credit period compared to the 45-55 days common on consumer cards
- − No meaningful rewards; this is purely a working-capital and procurement tool