Before applicable fee tax.
IndianOil HDFC Bank Credit Card
Source-backed card research showing the terms currently used by CredoNomics category rankings.
Annual spend threshold where available.
Terms should be rechecked after issuer updates.
Category coverage
Where this card enters CredoNomics rankings.
Fuel5% Fuel Points at IOCL; recurring cap modeled at 150 Fuel Points/month × ₹0.96 redemption value after first six months, plus 1% surcharge waiver.Open ranking Grocery5% Fuel Points on grocery, capped at 100 Fuel Points/month; 1 FP modeled at ₹0.96.Open ranking Utilities5% Fuel Points on eligible bill payments, capped at 100 Fuel Points/month; 1 FP modeled at ₹0.96.Open ranking UPI / RuPay1 Fuel Point per ₹150 on other eligible purchases including UPI; 1 FP modeled at ₹0.96.Open ranking Co-BrandedIndianOil co-brand fuel-point value modeled using current issuer redemption value.Open ranking Low Fee₹500 fee; low ₹50,000 fee-waiver threshold.Open ranking
Verification history
Visible record history.
CredoNomics verification record
The normalized terms used by the live category rankings were checked against the linked official issuer source.
No later verified term change recorded yet.
When CredoNomics confirms a material issuer change, the old and new terms can be recorded here.
Primary source
Official issuer documentation used.
Checked 2026-08-10
Open official source Official HDFC Bank product page
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