All cards / HDFC Bank
HDFC IndianOil
A co-branded fuel card with a strong reward rate on fuel, groceries, and bill payments alike, best for high-mileage drivers who also want everyday rewards.
Rates and fees last verified 19 July 2026.
Annual fee
₹500
Joining fee
₹500
Reward type
points
Base reward rate
1%
Card network
RuPay
Card tier
Entry
Reward rates by category
- Fuel5% (capped ₹250/monthly)
- Groceries5% (capped ₹250/monthly)
- Utilities5% (capped ₹250/monthly)
Eligibility
- Minimum credit score: 680
- Minimum monthly income: ₹12,000
- Employment: salaried, self-employed
- Age: 21–60
Benefits
- 1% fuel surcharge waiver at all fuel stations in India, capped ₹250/statement cycle
Pros
- + Strong reward rate on fuel, groceries, and bills
- + Low fee, easy waiver
Cons
- − Accelerated rewards capped monthly
- − Little value outside bonus categories
Applying takes you to HDFC Bank's site. We may earn a commission if you're approved — see our disclaimer. Final terms and approval are solely at the issuer's discretion.