IndianOil HDFC Credit Card Review 2026 — Fees, Rewards & Eligibility
Issuer: HDFC Bank
Network: Visa | Tier: Mid-Range
Fuel savings card
Why Choose the IndianOil HDFC Credit Card?
The IndianOil HDFC Credit Card is a Mid-Range-tier Visa credit card issued by HDFC Bank, rated 4.4/5 by the Credit Card Hunt editorial team. It is best suited for Fuel users. With a reward rate of 5% fuel rewards and an annual fee of ₹500, it ranks among the popular Fuel cards in India in 2026.
New cardholders are welcomed with Fuel points, which adds immediate value in the first year.
IndianOil HDFC Credit Card Fees & Charges
| Annual Fee | ₹500 |
|---|---|
| Joining Fee | ₹500 |
| Interest Rate | 3.6% per month |
| Foreign Markup | 3.5% |
| Fuel Surcharge Waiver | 5% fuel |
IndianOil HDFC Credit Card Rewards & Benefits
| Reward Rate | 5% fuel rewards |
|---|---|
| Welcome Bonus | Fuel points |
| Lounge Access | None |
| Best For | Fuel users |
Key Highlights of the IndianOil HDFC Credit Card
- Fuel savings card
- 5% fuel rewards
IndianOil HDFC Credit Card Eligibility Criteria
- Age: 21-60 years
- CIBIL score: 700+
- Minimum income: ₹2
- 50
- 000/year
Minimum Income Required: ₹2,50,000/year
Advantages of the IndianOil HDFC Credit Card
- Fuel cashback
Drawbacks of the IndianOil HDFC Credit Card
- Niche
IndianOil HDFC Credit Card — Frequently Asked Questions
What is the annual fee of the IndianOil HDFC Credit Card?
The IndianOil HDFC Credit Card has an annual fee of ₹500 and a joining fee of ₹500. New cardholders receive Fuel points as a welcome benefit, which helps offset the joining cost.
Does the IndianOil HDFC Credit Card offer airport lounge access?
No, the IndianOil HDFC Credit Card does not include complimentary airport lounge access. If lounge access matters to you, compare travel cards on CreditCardHunt.in.
Who is eligible for the IndianOil HDFC Credit Card?
The minimum income requirement is ₹2,50,000/year. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the IndianOil HDFC Credit Card?
The IndianOil HDFC Credit Card earns 5% fuel rewards. It is best suited for Fuel users.
Credit Cards Similar to the IndianOil HDFC Credit Card
If you are considering the IndianOil HDFC Credit Card, these fuel credit cards are worth comparing before you apply:
- Diners Club Black Credit Card by HDFC Bank — rated 4.8/5, ₹10,000 annual fee
- SBI Cashback Card (Visa) by State Bank of India (SBI) — rated 4.7/5, ₹999 annual fee
- Atlas Credit Card by Axis Bank — rated 4.7/5, ₹5,000 annual fee
- Tata Neu Infinity Credit Card by HDFC Bank — rated 4.6/5, ₹1,499 annual fee
Expert Rating: 4.4/5