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IndianOil HDFC Bank RuPay Credit Card
HDFC • RuPay

IndianOil HDFC Bank RuPay Credit Card

Fuel-focused co-branded card with stronger value on IndianOil spends.

Annual Fee₹500Waived on INR 50,000 annual spends
Base Reward0.5%On all spends
Lounge AccessNoNo lounge access listed
Est. Annual Savings₹1,612Based on ₹4.8L annual spend

No Complimentary Lounge Access

This card currently does not show complimentary airport lounge access in our issuer-aligned dataset.

Fee waiver & value estimator

Adjust your spend to see fee waiver eligibility and capped rewards.

Annual fee
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹1,800

Assumes base reward rate only.

Annual feeWaived

Waived on INR 50,000 annual spends

Net value₹1,800

Estimated savings per year.

Fee waiver target: ₹50,000 annual spend.

Reward Rate Breakdown

Category-wise reward rates for this card

Fuel
4.0%
UPI
1.0%
Basedefault
0.5%

Insights

Verified card-level notes, best use-cases, and watchouts.

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Insights

  • IndianOil HDFC Bank RuPay Credit Card is best positioned as a fuel + upi specialist rather than a universal all-spend card.
  • Its current reward model is anchored around 4.0% on fuel-aligned lanes, while broad base return remains closer to 0.5%.
  • No mapped complimentary lounge footprint currently contributes to card value, so spend economics are the primary decision factor.

Best Utilization

  • Route this card to fuel and upi spends first, then shift spillover transactions to stronger category alternatives.
  • Track statement outcomes monthly to confirm that expected reward credits are posting in the intended merchant/category buckets.
  • Maintain break-even discipline against the annual fee of INR 500 and reduce allocation if annual net value weakens.

Watchouts

  • points-value realization depends on redemption choice and transfer use
  • No complimentary lounge access is currently mapped for this card.
  • Category caps, partner restrictions, and MCC-level exclusions can materially reduce realized value versus headline promotion copy.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

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Offer Truth

  • Joining fee₹500
  • Annual fee₹500
  • Waiver thresholdNot listed
  • Cap typenone
  • Cap resetnone
  • Last verified2026-02-12

Redemption Truth

  • Cash value/pointNot listed
  • Travel value/pointNot listed
  • Transfer partners0
  • Min redemptionNot listed
  • Expiry policyNot listed
  • Last verified2026-02-12

Lounge Truth

  • NetworkRuPay
  • Domestic count0
  • International count0
  • Quarterly limitNot listed
  • Airport-terminal rows0
  • Policy check2026-02-10

Reliability + Outcomes

  • Verification statusverified
  • Freshness days1
  • Source conflicts0
  • Applied reports8
  • Approval reports4

Upgrade Path

These are objective same-bank step-up options from the current rewards and lounge model.

Step 1

Tata Neu Infinity

Annual fee: ₹1499

Shared focus: UPIHigher product tier within same bank+17 more lounge visits in current dataset
View Details
Step 2

Tata Neu Plus HDFC Bank

Annual fee: ₹499

Shared focus: UPI+12 more lounge visits in current datasetNo higher annual fee vs current card
View Details

Lounge match needs verification

Lounge access data for this card could not be confidently matched. Please verify lounge eligibility directly with the issuer before relying on access.

Lounge Eligibility Checklist

Derived from card policy signals

Lounge Spend Tracker

Eligibility target met: No

Track lounge eligibility for IndianOil HDFC Bank RuPay Credit Card using your current year spend.

₹0 spent₹50,000 target

Policy signal used: Waived on INR 50,000 annual spends

Spend threshold

Waived on INR 50,000 annual spends

Quarter / cycle rule

No quarter or billing-cycle lounge rule is explicitly listed.

Guest access

Guest access policy is not explicitly listed in current data.

Priority Pass

Priority Pass benefit is not listed for this card.

Lounge Locations

No airport-wise rows currently available

Airport-level lounge rows are not currently available for this card. We still show policy checklist details above.

Redemption Optimizer Unavailable

Redemption optimization is unavailable for this card right now; this card is better evaluated via direct cashback and feature value.

Key Benefits

  • Higher reward rate on IndianOil fuel transactions
  • RuPay network convenience for merchant and UPI-linked usage
  • Lower annual fee compared with premium fuel cards

Things to Consider

  • Value is concentrated in fuel category
  • General spend reward rate is modest
  • Fuel surcharge and reward caps may apply

About IndianOil HDFC Bank RuPay Credit Card

IndianOil HDFC Bank RuPay Credit Card is a points card from HDFC, best for drivers who frequently refuel at indianoil outlets. It is tagged under fuel, upi, rewards categories in our database.

FuelUPIRewards

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Frequently asked questions

Is IndianOil HDFC Bank RuPay Credit Card lifetime free?

It has an annual fee of ₹500. Waived on INR 50,000 annual spends

What rewards does IndianOil HDFC Bank RuPay Credit Card offer?

Fuel-focused co-branded card with stronger value on IndianOil spends.

Does IndianOil HDFC Bank RuPay Credit Card include lounge access?

No complimentary lounge access is currently listed for this card.

Who should consider IndianOil HDFC Bank RuPay Credit Card?

Drivers who frequently refuel at IndianOil outlets

Where can I apply for IndianOil HDFC Bank RuPay Credit Card?

Check the issuer website for application availability.