Interactive Showcase
Scroll narrative
Premium Decision Grade Catalog
HDFC BANK LTD
Indian Oil HDFC Bank Credit Card
CredHunt may earn an affiliate commission from bank links at no extra cost to you. Learn more
Verified Catalog
Source: HDFC BANK LTD Official
Updated: Aug 2026
Overview
Editorial snapshot & Positioning.
Co-branded fuel card offering enhanced rewards on fuel purchases at IndianOil outlets with additional benefits on grocery and bill payments
Key features
Highlights and rewards metrics.
The strongest rewards and lifestyle perks are surfaced as concise highlights.
Highlight 1
Earn up to 50 liters of free fuel annually
Highlight 2
5% of spends as Fuel Points at IndianOil outlets, groceries and bill payments
Highlight 3
1 Fuel Point for every ₹150 spent on all other purchases
Highlight 4
1% fuel surcharge waive
Technical details
Fees structure and lounge network details.
Joining fee, annual fee, and lounge network coverage are shown in a minimal data grid.
Joining fee
₹500
The front-loaded charge when you apply.
Annual fee
₹1,000
Shown alongside the annual renewal cost.
Networks
Domestic & Int'l
Lounge network compatibility.
Rewards Calculator
Interactive Spend & Earning Estimation.
Slide to match your average monthly spending across categories and see how much value you earn back in a year.
Monthly Spending Profile
Dining & Food (1% value)
₹5,000Travel & Hotels (1.5% value)
₹5,000Groceries (1.5% value)
₹5,000Online Shopping (2% value)
₹10,000Other Spends (1% value)
₹5,000Estimated Annual Spends
₹3,60,000
Annual Value Back
₹5,400
Rewards value at ~₹1 per point.
Annual Fee: ₹1,000100% Offset
🎉 Your earnings completely offset the annual fee!
Premium Benefits
Core privileges & lounge coverage.
Explore travel, dining, lifestyle, and protection privileges associated with this card tier.
Airport Lounge Access
Complimentary lounge network access details available on issuer portal.
Hotel Privileges
"8 lounge accesses/year"
Detailed Schedule & Eligibility
Technical fees & documentation requirements.
View interest rates, Forex charges, late fees, and document checkmarks needed for approval.
No secondary fee details registered for this card.
Summary
Pros, cons, rating, and decision metrics.
CredHunt Expert Verdict
Editorial Review Score: 10/10
"Great customizable card for those who shop frequently with specific merchants; similar to PIXEL RuPay but without UPI functionality; good choice for those who prefer a physical card with targeted cashback"
Expert opinion & editorial scorecard summarizing the card's position.
5.0 / 5
Pros
- Welcome Offer: 1k 6E points
- Base Rate: 20 Reward Points per ₹200 on all other spends
- Accelerated Rewards Program: Basic: 4 Kiwis on UPI (1% cashback), 2 Kiwis on non-UPI (0.5% cashback)
- Travel (Hotels & Other): 8 lounge accesses/year
Cons
- With Neon: Up to 5% on UPI based on spending tiers
- Dining: 1X RP on dining
- Lifestyle and Fashion: Custom designs
- Other Features: After reaching monthly cashback limit, continues to earn 1.5% cashback
Apply flow links directly to official bank portals with 256-bit encryption.
CredHunt may earn an affiliate commission from bank links at no extra cost to you. Learn more
Customer Reviews
5.0
0 reviews
5
0
4
0
3
0
2
0
1
0
Please sign in to leave a review.
Sign InCommunity Feedback
Card Q&A
Expert answers for Indian Oil HDFC Bank Credit Card
Have a specific question?
No questions yet
Be the first to ask about this card!