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IndianOil HDFC Bank Credit Card
HDFC Bank
Joining Fee₹500Renewal Fee₹500
Last verified: 24 Sept 2026
Reward Program
Fuel Points1 point = ₹0.96
| Category | Earn Rate | Monthly Cap |
|---|---|---|
Fuel at IndianOil retail outlets | 4.8% | No cap |
Groceries and bill payments | 4.8% | ₹100/monthly |
HDFC SmartBuy - flight and hotel bookings (channel, not an MCC: merchant hdfc-smartbuy-travel) | 5% | ₹1,000/monthly |
| All other spends | 0% | No cap |
Redemption fee: 99
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Managed via HDFC Bank SmartBuy, HDFC Bank NetBanking
Transfer partners
IndianOil XTRAREWARDS Program (IXRP) at participating IndianOil outlets — 1 Fuel Point = 3 XP = 96 paise, the strict Rule 5 maximum and by a wide margin the best channel.Catalogue products via NetBanking — 1 Fuel Point = up to 20 paise, barely a fifth of the fuel-redemption rate.Cashback against the statement at a lower published rate.
Live Offers
245 activePharmeasy10% Cashback on PharmEasy purchase
10% cashbackTill 31 Dec
Indian Gifts Portal IGP10% Cashback on purchasing Gifts on IGP
10% cashbackTill 31 Dec
Jockey10% Cashback on Jockey purchase
10% cashbackTill 31 Dec
Cleartrip5% Cashback on hotel booking
5% cashbackTill 31 Dec
Cleartrip5% Cashback on e-voucher purchase
5% cashbackTill 31 Dec
Benefits
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Fuel Surcharge Waiver
1% fuel surcharge waiver at all Indian fuel stations, minimum ₹400 per transaction, maximum ₹250 per statement cycle. Unusually for an HDFC card, fuel at IndianOil outlets also EARNS Fuel Points.
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Welcome Benefit
Complimentary IndianOil XTRAREWARDS Program (IXRP) membership
Reward Calculator
Assumes the best-paying merchant everywhere, so read it as a ceiling rather than an average.
What this card is worth
Open a section and enter what you actually spend. Everything updates as you type.
Fees & Charges
| Joining Fee | ₹500/yr |
| Renewal Fee | ₹500/yr |
| Forex Markup | 3.5% |
| Interest Rate | 45% p.a. |
| Cash Advance Fee | 2.5% of the amount withdrawn, subject to a minimum of ₹500. |
| Reward Redemption Fee | 99 |
