Fuel
Indian Oil HDFC Credit Card
HDFC 6.6
CardTrail Score
Decent
out of 10
Annual Fee
₹500
Spend ₹50K/year
Forex Markup
3.5%
Reward Rate
0.67%
Up to 5%
Lounge Access
0
domestic | 0 intl
About This Card
The Indian Oil HDFC Credit Card is a fuel rewards credit card from HDFC with an annual fee of ₹500. It offers a base reward rate of 0.67% with up to 5.0% on select categories. Key perks include fuel surcharge waiver. Best suited for vehicle owners.
Pros & Cons
Pros
- Fuel surcharge waiver saves on petrol/diesel
- Easy EMI conversion on purchases
- Attractive welcome bonus: 250 FuelPoints
Cons
- 3.5% forex markup is above average
- No complimentary lounge access
- Below-average base reward rate
Fee Details
Annual Fee
₹500
Joining Fee
₹500
Fee Waiver Condition
Spend ₹50K/year
Fuel Surcharge Waiver
Yes
EMI Conversion
Yes
Reward Structure
Base Rate
0.67%
Max Rate
5%
Currency
FuelPoints
Welcome Bonus
250 FuelPoints
Lounge Access
Domestic Lounges
0
International Lounges
0
Key Highlights
- + Annual fee ₹500 (waiver: Spend ₹50K/year)
- + Up to 5.0% rewards on accelerated categories
- + Fuel surcharge waiver at all pumps
- + Welcome bonus: 250 FuelPoints
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Quick Summary
Best For
fuel
Annual Fee ₹500
Base Reward 0.67%
Max Reward 5%
Forex Markup 3.5%
Network Visa
Min Income ₹3L+
CardTrail Score
Best For
fuel
