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HDFC BankFree to apply via CardGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
5% on IndianOil fuel, groceries, bill payments & utilities; 1 FP per ₹150 on other purchases
Earn 5% of spends as Fuel Points at IndianOil outlets, groceries, bill payments & utilities. Earn 1 Fuel Point for every ₹150 spent on other purchases. Points redeemable for free fuel, cash back or product catalogue.
The privileges that come bundled in, beyond the reward points.
1% fuel surcharge waiver on transactions ≥ ₹400
Annual fee waiver on spends ≥ ₹50,000 per year
First-year fee waiver on spends ≥ ₹20,000 in first 90 days
PayZapp activation on first transaction ≥ ₹500
UPI linking
An honest read on where this card earns its keep — and where it doesn't.
High 5% fuel & grocery points
Fuel surcharge waiver
Annual fee waiver on spend
UPI compatibility (RuPay)
Annual fee ₹500 if spend waiver not met
Reward caps: 250 FP/month first 6 months, 150 thereafter
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with HDFC Bank before you apply.
The credit profile this card is typically approved for.
Note: this is a guideline, not a hard cut-off. Existing customers of HDFC Bank are often approved on slightly lower scores.
Everything you need to know about IndianOil HDFC Bank Credit Card fees, reward conversion, lounge access, and application eligibility.
The joining fee for IndianOil HDFC Bank Credit Card is nominal, and the annual renewal fee is ₹500 + GST. Many cardholders can get the renewal fee waived by reaching the annual milestone spend threshold. Check official bank terms for current welcome gift vouchers that offset the initial fee.
To qualify for IndianOil HDFC Bank Credit Card from HDFC Bank, a CIBIL score of 750 or higher is recommended. Applicants with a stable monthly income, low credit utilization (under 30%), and zero recent payment defaults have the highest likelihood of approval.
IndianOil HDFC Bank Credit Card is designed to reward everyday spends. It currently features: "Not verified from configured sources". You earn reward points or cashbacks on eligible transactions, which can be redeemed for statement credit, air miles, or shopping vouchers via HDFC Bank's rewards portal.
IndianOil HDFC Bank Credit Card does not include unconditional complimentary lounge access as a primary perk. If airport lounge access is a priority, consider pairing this card with a dedicated travel credit card.
You can apply for IndianOil HDFC Bank Credit Card directly online. Have your PAN card, Aadhaar card, income proof (salary slips or Form 16/ITR), and bank statement ready. Most applicants receive digital KYC verification and an approval decision within a few business days.
