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HDFC Bank

HDFC IndianOil

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Annual Fee

₹500

Reward Type

Points

Forex

3.5%

Lounge

0 dom · 0 intl

Full Spec Sheet

Multi-source Verified

Fees

Joining Fee₹500
Annual Fee₹500(waived ≥ ₹50,000)
Min Monthly Income₹15,000

Rewards

Reward TypePoints
Base Rate0.67%
Point Value₹0.25/point

Category Multipliers

indianoil fuel5%(cap ₹250)

Travel & Global

Forex Markup3.5%
Domestic LoungeNone
Intl. LoungeNone

India-Specific

Fuel Surcharge✓ 1% waiver

Similar Cards

IndianOil RBL Bank Credit Card (94%) →ICICI HPCL Coral (91%) →Indian Oil Axis Bank (90%) →ICICI HP Power+ Fuel (90%) →IndianOil RBL Bank XTRA Credit Card (86%) →

💡 Fee Waiver Strategy

Spend ₹50K annually to waive ₹500 fee.

⚖️ Breakeven Analysis

To recover the ₹500 annual fee at the base reward rate of 0.67%, you need to spend ₹74,627 annually.

🎯 Pro Tips

  • ▸5X points on IndianOil fuel purchases
  • ▸1% fuel surcharge waiver

📊 Spend Profile Simulator

Spend Profile Simulator

Net Annual Value

+₹2,160

Effective Rate

0.2%

Ranked #135 of 173 cards#135

₹500 annual fee deducted from gross rewards value.

🏷️ Best For

fuelco-branded