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HDFC Bank
HDFC Bank Dealer Credit Card
Visa
HDFC Bank Dealer Credit Card
A specialised zero-fee card for petrol pump dealers procuring fuel from oil marketing companies, offering a short but predictable credit window and SmartEMI flexibility rather than rewards.
Rates and fees last verified 15 July 2026.
Annual fee
₹0
Joining fee
₹0
Reward type
cashback
Base reward rate
0.5%
Card network
Visa
Card tier
Entry
Benefits by category
- ⛽ Fuel
0.5% reward rate · Fuel surcharge waived on online fuel purchase transactions
Eligibility
- Employment: self-employed
- Age: 21–65
Benefits
- Fuel surcharge waived on online fuel purchase transactions
- 15+7 day credit period (up to 22 days), with option to convert large purchases into SmartEMI over 9-36 months
Pros
- + No issuance or usage charges
- + Fuel surcharge waived on online purchases
- + SmartEMI option for large procurement spends
Cons
- − Extremely narrow use case — fuel procurement by dealers only
- − Short 22-day credit period
- − No meaningful rewards