IndianOil HDFC Bank Credit Card
HDFC · RUPAY★4.3/ 5
✓ Details last verified 1 Jan 2026
↻ Hover or tap the card to flip
Lifetime-low-fee IndianOil co-brand earning 5% as Fuel Points at IOCL outlets — ideal if you fuel up at Indian Oil.
At a glance
Rewards by category
What you earn on every rupee, per spend category.
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Fuel | reward points | 5% | ₹1,000 |
| Other | reward points | 1% | — |
Fuel: 5% as Fuel Points at IndianOil outlets · Indian Oil (IOCL)
Other: 1% base value on other spends
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying.
Who is this card for?
- 🌱Entry tier — great for first-time and lower-spend users.
- 🎯Strongest value if you spend heavily on Fuel (5% back).
Eligibility & documents
What your hdfc reward points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Standard catalogue & cashback
Up to ₹0.50/pt on travel via SmartBuy
Premium cards (Infinia/Diners Black) — best value
✈ TRANSFER PARTNERS
🔥 Live offers on this card
3 liveTransfer bonuses and promos running right now for this card's rewards.
5X value on SmartBuy flights & hotels
Book flights and hotels via SmartBuy to redeem points at up to ₹0.60/point — far better than statement credit.
Ends 2026-06-30 · view offer ↗
25% bonus transferring to Marriott Bonvoy
Move HDFC Reward Points to Marriott Bonvoy with a 25% bonus — strong value for free-night awards and 5th-night-free stays.
Ends 2026-07-15 · view offer ↗
30% bonus transferring to KrisFlyer
Transfer HDFC Reward Points to Singapore Airlines KrisFlyer and get 30% extra miles — your points stretch much further on premium-cabin redemptions.
Ends 2026-07-31 · view offer ↗
SOURCES & VERIFICATION
Fees, reward rates, and benefits for the IndianOil HDFC Bank Credit Card are taken from HDFC's official Most Important Terms & Conditions (MITC) and fee schedule — see the issuer's official page. Last verified 1 Jan 2026. Reviewed for accuracy by CardAdvisor Editorial Team. Card terms change often — always confirm current details on the issuer's site before applying. How we research & review →
Similar & related cards
Other cards worth comparing before you apply.
SBI SimplySAVE Credit Card
Comparable SBI option
SBI SimplyCLICK Credit Card
Comparable SBI option
IndianOil Axis Bank Credit Card
Comparable AXIS option
ICICI HPCL Super Saver Credit Card
Comparable ICICI option
Axis Bank MyZone Credit Card
Comparable AXIS option
American Express SmartEarn Credit Card
Comparable AMEX option
Want to know if this beats your current card for your spending?