Indian Oil HDFC Bank Credit Card
Earn fuel points and save on fuel expenses
Is this card worth it for you?
Drag the sliders to match your spend. The number on the right updates live.
Remaining 75% goes on everything else (groceries, utilities, online shopping). Earning rate: 1.50% travel · 1.50% dining · 1.50% base.
After fees, you're earning real money on this card. The break-even moves with your category mix — pull travel up if you fly more, dining if you eat out.
vs Flipkart Axis Bank
At ₹50,000/month with 15% travel and 10% dining.
Tools for Indian Oil HDFC Bank Credit Card holders
Frequently asked
Is the Indian Oil HDFC Bank Credit Card worth the ₹500 fee?
It depends on your spend. The Indian Oil HDFC Bank Credit Card earns 1.5% base reward and waives the annual fee at ₹50,000 of yearly spend. Use the break-even calculator above to see your specific number.
What is the eligibility for Indian Oil HDFC Bank Credit Card?
HDFC typically requires a minimum income of ₹12,000/year for the Indian Oil HDFC Bank Credit Card.
What is the forex markup on Indian Oil HDFC Bank Credit Card?
Indian Oil HDFC Bank Credit Card charges 3.5% forex markup on international transactions.
Reward rates and fees are sourced from HDFC's product page and may change. Always confirm with the card issuer before applying.