IndianOil HDFC Bank Credit Card
IndianOil HDFC Bank Credit Card from HDFC Bank is covered here with fees, rewards, benefits, exclusions, fuel/forex charges and Zlash's practical verdict for Indian users.
Annual fee: Rs 500 | Reward type: Reward Points | Best for: Fuel, Grocery, Utility Bills
Estimated value per Rs 100 of eligible spend.
IndianOil HDFC Bank Credit Card Overview
IndianOil HDFC Bank Credit Card is a HDFC Bank credit card. Base reward value is about Rs 0.03 per Rs 100 of eligible spend. Zlash checks boosted categories like fuel, grocery, utility bills along with caps and exclusions.
Best For
IndianOil HDFC Bank Credit Card is most useful when your spends regularly fall into fuel, grocery, utility bills.
Rewards
fuel
37.5x the base reward rate.
Monthly cap: Rs 240
grocery
37.5x the base reward rate.
Monthly cap: Rs 20
utility bills
37.5x the base reward rate.
Monthly cap: Rs 20
UPI
1x the base reward rate.
Not Good For
- Spends in excluded categories such as wallet reloads, rent, government transactions, emi transactions, gold purchases.
- International transactions if you need low forex markup; this card lists 3.5% markup.
Welcome And Travel Benefits
Welcome: Includes welcome value up to Rs 250 and voucher-based benefits.
Fuel And Forex Charges
1% fuel surcharge waiver on eligible fuel transactions.
3.5% foreign currency markup.
Reward Exclusions
Milestone Benefits
- Spend Rs 20,000 in a yearly period for benefit value around Rs 500.
Zlash Verdict
Choose this card when fuel, grocery, utility bills match your normal spend pattern. Skip it for categories that are excluded from rewards or where another card gives a cleaner direct discount.
This page is generated from normalized card facts, not copied review prose. Zlash uses this structure so card data can power both public SEO pages and future in-app card detail views.
FAQ
What is the annual fee of IndianOil HDFC Bank Credit Card?
The listed annual fee is Rs 500.
What is IndianOil HDFC Bank Credit Card best used for?
IndianOil HDFC Bank Credit Card is most useful when your spends regularly fall into fuel, grocery, utility bills.
Does IndianOil HDFC Bank Credit Card have reward exclusions?
Yes. The extracted exclusions include wallet reloads, rent, government transactions, emi transactions, gold purchases.
How does Zlash use this card data?
Zlash uses fee, reward, cap and exclusion facts to estimate effective prices after eligible payment rewards.