All cards / HDFC Bank
HDFC Bank Fleet Credit Card
Visa
HDFC Bank Fleet Credit Card
HDFC Fleet Credit Card is a no-fee, fuel-only commercial card built specifically for fleet operators managing multiple vehicles — a full fuel surcharge waiver on every transaction nationwide removes a real cost that adds up quickly across a large fleet. It carries no meaningful rewards and no revolving credit; this is a fuel-spend management tool, not a general-purpose business card.
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 fully waived on every fuel transaction nationwide, with no cap on the number or value of transactions
Eligibility
- Employment: self-employed
- Age: 21–65
Fees & charges
- Rewards redemption fee: Cashback is auto-credited as statement credit at no cost
- Cash advance charges: 2.5% of the withdrawn amount or ₹500, whichever is higher; interest accrues from the date of withdrawal with no interest-free period
Benefits
- Fuel surcharge fully waived on every fuel transaction nationwide, with no cap on the number or value of transactions
- Multiple credit period options that fleet operators can choose to match their own cash flow cycle, rather than a single fixed billing date
Pros
- + Zero fuel surcharge on all fuel transactions nationwide, with no per-transaction cap
- + No joining or annual fee, keeping the cost of fleet fuel management low
- + Multiple credit period options let fleet operators align billing with their own cash flow
- + Purpose-built acceptance network at fuel stations reduces friction for drivers
- + Simple, single-purpose design makes fuel spend easy to track and audit
Cons
- − Usable only at fuel stations — no value for any other business expense
- − No revolving credit; the full amount due must be cleared each cycle
- − Negligible 0.5% reward rate even on the fuel spend it's designed for