HDFC IndianOil Rupay Credit Card

Name: HDFC Bank HDFC IndianOil Rupay Credit Card
Brand: HDFC Bank
Price: 590 INR
Rating: 3.37 (1 reviews)

Ranked #69 of 170 in credit

creditRuPayEntry-level fuel co-brand

Entry-level HDFC x IndianOil RuPay/UPI-enabled fuel co-brand offering 5% Fuel Points on IndianOil fuel, groceries, and bill payments, with best value (Rs 0.96/point) when redeemed for fuel via IXRP membership.

Score breakdown

Data completeness: 100% · Last verified: 09 Jul 2026

Reward value22/100 · weight 71%

≈ 1.10% effective on the standard basket (eligible spend only)

Wide-coverage rewards: +1.1% score bonus — earns broadly without narrow category restrictions.

Fee efficiency95/100 · weight 12%

Redemption flexibility75/100 · weight 9%

Perks0/100 · weight 9%

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

Reward structure

Category	Type	Rate	Cap	Notes
fuel	points	4.80%(5 pts @ ₹0.96)	₹240 / monthly	5% Fuel Points at IndianOil outlets, capped 250pts/mo first 6mo then 150pts/mo; best redeemed for fuel at Rs 0.96/point via IXRP
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	1.00%(5 pts @ ₹0.20)	₹20 / monthly	5% Fuel Points on bill payments, capped 100 points/month
groceries	points	1.25%(5 pts @ ₹0.25)	₹100 / monthly	5% Fuel Points on Groceries & Bill Payments
groceries_offline	points	1.00%(5 pts @ ₹0.20)	₹20 / monthly	5% Fuel Points on groceries, capped 100 points/month (Rs 20 value at Re 0.20/point cashback rate)
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

No distinct welcome bonus beyond standard Fuel Points earn structure; complimentary IndianOil XTRAREWARDS Program (IXRP) membership auto-enrolled at issuance

Milestone benefits

Pros

RuPay/UPI-linkable, rewards typically-excluded categories (fuel, groceries, bill payments/utilities) at 5%, up to ~50 litres free fuel annually if redeemed well, limited exclusion list vs comparable low-fee cards, IXRP membership included automatically

Cons

5% Fuel Point earn drops from 250/month cap (first 6 months) to 150/month cap thereafter, redemption value collapses to Rs 0.20/point (from Rs 0.96) if NOT redeemed for fuel, groceries capped separately at 100 points/month (1,000/month per one source — conflicting), no rewards on rent/government payments, 1% fee on rental transactions capped Rs 3,000/transaction

What's inside

More benefits

IndianOil XTRAREWARDS membership
Complimentary IXRP membership auto-enrolled at issuance

Insurance cover

text: ₹NaN

Eligibility

text: Age 21-60 (65 max self-employed), salaried income Rs 12,000/month+, self-employed ITR Rs 6 lakh+/year

Small print

Fuel surcharge:1% fuel surcharge waiver on Rs 400+ transactions, capped Rs 250/statement cycle