RuPayco-branded
IndianOil HDFC Bank Credit Card
HDFC Bank
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Annual Fee
₹500
Rewards
1 pts/₹100
Lounge Visits
None
Min Income
₹1L/yr
Rewards Details
| Category | Reward Rate | Details |
|---|---|---|
| fuel | 5X | 5 Fuel Points per ₹100 at IndianOil outlets (~4.8% value at ₹0.96/FP); cap 250 FP/month for first 6 months, 150 FP/month thereafter (₹144 max) |
| groceries | 5X | 5 Fuel Points per ₹100 on grocery spends; 100 FP/month cap (₹96 max) |
| bill payments | 5X | 5 Fuel Points per ₹100 on utility bill payments; 100 FP/month cap (₹96 max) |
Fees
Joining Fee₹500(Spend ₹20,000 within 90 days of card issuance)
Annual Fee₹500(Waived on annual spend of ₹50,000 or above)
Fuel Surcharge
1% fuel surcharge waiver at all fuel stations in India on transactions between ₹400 and ₹5,000; maximum waiver ₹250 per billing cycle
Eligibility
Min Annual Income₹1,44,000
Age21 - 60 years
EmploymentSalaried & Self-employed
Key Features
- 5% Fuel Points at IndianOil outlets (150 FP/month cap post 6 months = ₹144 max value)
- 5% Fuel Points on groceries and utility bill payments (100 FP/month cap each = ₹96 max)
- 1% fuel surcharge waiver at all fuel stations nationwide on transactions ₹400–5,000
- Annual fee waived on ₹50,000 annual spend
- Fuel Points redeemable at IndianOil XTRAREWARDS outlets (1 FP = ₹0.96; valid 2 years)
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