Key Features & Benefits
- ✦5% as Fuel Points at IndianOil petrol pumps
- ✦5% as Fuel Points on grocery purchases and utility bill payments
- ✦1 Fuel Point per ₹150 on all other eligible spends
- ✦Earn up to 50 litres of free fuel annually
- ✦1% fuel surcharge waiver at IndianOil
- ✦Fuel Points redeemable at IndianOil outlets
- ✦Annual fee waiver on ₹50,000 annual spend
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Welcome & Joining Benefits
- ✦Check bank website for current benefits
Milestone Benefits
- ✦₹50,000 annual spend → fee waived
Pros & Cons
✓ Advantages
- ✓5% back at IndianOil — one of highest fuel reward rates in India
- ✓5% on grocery + bills — not just a fuel card, covers daily expenses
- ✓Earn up to 50 litres free fuel annually
- ✓Annual fee waived at just ₹50,000 spend
✗ Disadvantages
- ✗Fuel Points only redeemable at IndianOil stations
- ✗No lounge access
- ✗3.5% forex
- ✗Benefits locked to IndianOil ecosystem
Frequently Asked Questions
How many Fuel Points equal 1 litre of petrol?▼
HDFC's IndianOil card gives Fuel Points equivalent to approximately 1 litre per ₹500 spent at IndianOil. At ₹5,000/month fuel spend, you can earn 10 litres/month or 120 litres/year. Actual rate depends on current petrol prices.
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