IndianOil HDFC Bank credit card
5% fuel points at IndianOil pumps plus 5% on grocery and bills.
Source: HDFC Bank – IndianOil HDFC Bank product page · last reviewed 2026-09-12
Estimates for Typical Indian cardholder (₹32k/month) example profile · bills paid in full · first-year offers shown separately.
Why it fits – and what to watch
hover any tile for the detail! No usable lounge access although you asked for it.
Where the money comes from
₹4,632/yr · 1.4%UPI QR spend is left out – not a RuPay card (UPI is counted once, on RuPay cards only).
How the score of 37 is built
weights total 100% · methodologyAirport lounges with this card
This card has no complimentary lounge access. Find cards that get you in →
Card facts
At a glance
- Up to 6% back at IndianOil
- Cheap fee
- Grocery and bills bonus
- Tight caps
- IndianOil only
- No lounge
Community Q&A on the IndianOil HDFC Bank
Threaded questions from cardholders · the Advisor can add a computed answer.
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Frequently asked questions
What is the annual fee of the HDFC Bank IndianOil HDFC Bank?
Joining fee ₹500 and renewal fee ₹500, plus 18% GST (₹590 a year). The renewal fee is waived if you spend ₹50,000 in the card year.
Does the IndianOil HDFC Bank give airport lounge access?
No lounge access. None.
How much can I save with the IndianOil HDFC Bank?
For our example profile (Typical Indian cardholder (₹32k/month)) the recurring net saving is ₹4,632 a year, an effective savings rate of 1.4% after the fee. Use Find My Card to see your own number – it depends on where you spend and which caps you hit.
What are the IndianOil HDFC Bank's reward exclusions and caps?
No rewards on rent. 5% Fuel Points at IndianOil (fuel assumed at IOCL, cap 250 pts/mo): capped at ₹240 a month; 5% on grocery & bill payments (cap 100 pts/mo): capped at ₹96 a month
Sources
Reviewed 2026-09-12. Point values are our realistic estimates – see methodology.