The IndianOil HDFC RuPay has a ₹500 annual fee (waived on ₹50,000 annual spend), earns 5% As Fuel Points At IndianOil (1 Fuel Point For Every ₹150) and charges a 3.5% forex markup.
| Annual fee | ₹500 |
|---|---|
| Joining fee | ₹500 |
| Annual fee waived | On ₹50,000 annual spend |
| Top reward rate | 5% As Fuel Points At IndianOil |
| Base rewards | 1 Fuel Point For Every ₹150 |
| Forex markup | 3.5% |
From issuer benefit data, checked 24 Oct 2026. Top reward rate is the card's best partner or category rate; base rewards is the general earn rate. Caps and exclusions are under Key Benefits.
Key Benefits
Live offers on this card
151 online offers across 59 brands right now, each valid for at least another 7 days. Checked 23 Oct.
- Croma: Rs.14000 Discount · till 31 Oct
- EaseMyTrip: Flat Rs.7500 off · till 31 Oct
- ixigo: Rs.7500 Discount · till 31 Oct
- MakeMyTrip: Rs.7500 Discount · till 31 Oct
- Yatra: Flat Rs.7500 off · till 31 Oct
These are HDFC Bank's own offers and RuPay network offers, so they apply to every HDFC Bank RuPay card, not just this one. All HDFC Bank offers by category.
More about the Indianoil HDFC Bank Credit Card Rupay
Is the Indianoil HDFC Bank Credit Card Rupay worth it in 2026?
The card offers 5% fuel points on groceries, bill payments, and IndianOil spends, making it valuable for frequent users. With a Rs. 500 joining and renewal fee, waived on spending Rs. 50,000 annually, it is cost-effective for regular spenders.
Who should get the Indianoil HDFC Bank Credit Card Rupay?
Ideal users are those who regularly spend on groceries, bill payments, and fuel at IndianOil. If you spend at least Rs. 50,000 annually, you can waive the renewal fee and maximize fuel point rewards.
How to maximise rewards on the Indianoil HDFC Bank Credit Card Rupay?
Use the card for groceries and bill payments to earn 5% fuel points. Also, fuel up at IndianOil to get 5% fuel points and accumulate 1 fuel point for every Rs. 150 spent.
What purchases give the best value on the Indianoil HDFC Bank Credit Card Rupay?
Groceries, bill payments, and fuel purchases at IndianOil offer the best value with 5% fuel points. Every Rs. 150 spent earns 1 fuel point, maximizing rewards on these categories.