Unverified draft. Fees, reward rates, and perks below are LLM-generated seed data pending admin verification. Cross-check on the bank's official page before relying on them.

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HDFC Bank

HDFC IndianOil Rupay Credit Card

creditRupayco-brandedProvisional score

Co-branded IndianOil fuel credit card. High Fuel Point earn at IndianOil pumps plus grocery/utility accelerators; best value when redeemed for free fuel (1 FP = ₹0.96).

Score breakdown

Data completeness: 55% · Last verified: 06 Jul 2026

Reward value5/100 · weight 65%

≈ 0.23% effective on the standard basket (eligible spend only)

Wide-coverage rewards: +2.3% score bonus — earns broadly without narrow category restrictions.

Fee efficiency95/100 · weight 11%

Redemption flexibility75/100 · weight 8%

Perks0/100 · weight 8%

Devaluation risk70/100 · weight 8%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee: ₹500 + 18% GST
= ₹590 total
Annual fee: ₹500 + 18% GST
= ₹590 / year total
Forex markup: 3.5%

Lounge access

Domestic (per year): 0
International (per year): 0

Confirmed devaluation alerts

No confirmed devaluations tracked for this card. That doesn't mean none exist — see the neutral 70/100 devaluation-risk sub-score above.

Reward structure

Category	Type	Rate	Cap	Notes
groceries	points	1.25%(5 pts @ ₹0.25)	₹100 / monthly	5% Fuel Points on Groceries & Bill Payments
online_groceries	points	4.80%(5 pts @ ₹0.96)	₹96 / monthly	5% Fuel Points on online grocery spends. Cap 100 FP/mo (~₹96).
utilities	points	4.80%(5 pts @ ₹0.96)	₹96 / monthly	5% Fuel Points on utility & bill payments. Cap 100 FP/mo (~₹96).
fuel	points	1.25%(5 pts @ ₹0.25)	₹250 / monthly	Earn up to 5% of your spends as Fuel Points at IndianOil outlets
fuel	points	4.80%(5 pts @ ₹0.96)	₹144 / monthly	5% back as Fuel Points at IndianOil outlets (non-UPI). Cap 250 FP/mo first 6 months, then 150 FP/mo (~₹144/mo). 1 FP = ₹0.96 when redeemed for fuel.
groceries_offline	points	4.80%(5 pts @ ₹0.96)	₹96 / monthly	5% Fuel Points on grocery spends. Cap 100 FP/mo (~₹96). Best value redeemed for fuel.
all_spends	points	0.64%(0.667 pts @ ₹0.96)	—	1 Fuel Point per ₹150 on all other retail spends including eligible UPI. ~0.64% effective at fuel redemption value; ~0.13% for cashback/merchandise.
government	points	0.00%(0 pts @ ₹0.00)	—	Government transactions earn no rewards.
rent	points	0.00%(0 pts @ ₹0.00)	—	Rent payments earn no rewards and incur a 1% fee (max ₹3,000 per transaction).

No rewards on

These categories earn zero rewards on this card. Reward score is scaled down by up to −5%, proportional to how much of the standard basket sits in the excluded categories (v4.3 formula).

Rent payments (also charged 1% fee, max ₹3,000/txn)Government transactionsUPI fuel transactions do not qualify for 5% fuel rewardsWallet loads and other issuer-excluded MCCs

Welcome offer

₹250 gift voucher on card activation after first transaction within 37 days of issuance + complimentary IndianOil XTRAREWARDS membership.

Small print

Fuel surcharge:1% fuel surcharge waiver at all fuel stations on transactions ₹400–₹5,000, capped at ₹250 per statement cycle.