IndianOil HDFC
RuPay · Visa
IndianOil HDFC
HDFC Bank · RuPay · Visa
Quick answer
IndianOil HDFC by HDFC Bank has an annual fee of ₹500 and APR of 43%. Best for fuel and no-annual-fee. Pay the full bill every month — carried balances cost far more than any reward.
Opens the issuer's site. MoneyRadar has no paid placement here.
Joining fee
₹500
Annual fee
₹500
Forex markup
4%
APR
43%/yr
Fee waiver: Annual fee waived on ₹50,000 spend a year
What you earn
- 5%5% value back at IndianOil outlets
- 3%on groceries spends
- 1%on general spends
Lounge access
No domestic lounge access
Who it's for
Minimum income ₹20,000/month · credit score 700+. For salaried, self-employed.
Income and score are screening estimates, not an approval promise. The issuer makes the final call.
Check the issuer's terms
Card rules change without much warning. We checked this snapshot on 26 July 2026. Open the issuer's current terms ↗
What's great
- Cheap fee, easy waiver
- Fuel + groceries combo
- Low income requirement
Watch out for
- Rewards best only at IndianOil
- No lounge
Compare head-to-head
One honest reminder: a card is only worth it if you clear the full bill every month. At 43% a year, carried balances cost far more than any reward here is worth.