What is the annual fee for the HDFC Bank Indian Oil?

The annual fee for the HDFC Bank Indian Oil is ₹500. It can be waived on annual spends of ₹50,000.

Does the HDFC Bank Indian Oil offer airport lounge access?

The HDFC Bank Indian Oil does not include complimentary airport lounge access.

What rewards does the HDFC Bank Indian Oil earn?

It earns 0.64% on eligible spends as Reward Points.

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Indian Oil — HDFC Bank Credit Card | Card Manager

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HDFC

entry

•••• •••• •••• 0000

Indian Oil

VISA

Indian Oil

HDFC Bank • Visa• Entry

Available onVisaRuPayUPI

catalog

Annual Fee

₹500

Base Reward Rate

0.64%

Foreign Tx Fee

3.5%

Tier

Entry

Joining Fee

₹500

Verified

2026-05-25

Airport Lounge Access

Domestic & international access details and eligibility criteria

No airport lounge access included on this card.

Not available

Earnings Projection

Estimate annual rewards based on your typical monthly spend

Other / General₹20,000/mo

+₹128

Dining₹5,000/mo

+₹32

Grocery₹8,000/mo

+₹51

Fuel₹3,000/mo

—

Travel₹5,000/mo

+₹32

Online Shopping₹8,000/mo

+₹51

Utilities₹3,000/mo

+₹19

Annual earnings

₹3,763

Blended 0.60% effective return

Monthly spend₹52,000

Monthly earnings+₹314

Estimates use this card's best matching rule per category. Caps applied where known. Milestones not included.

Notes

5% as Fuel Points at IOCL outlets. Points valid 2 years.

Benefits & Perks

Rewards

1 Reward Points ≈ ₹0.25–₹1 depending on redemption (cashback → flights/transfer).
value range
0.64% base reward rate on all eligible spends. 1 Fuel Point per ₹150.
0.64%medium
Fuel: 5% — 5% at IOCL; cap 250 pts/mo first 6 months.
5.0% · cap 250/momedium

Forex

3.5% forex markup on international card transactions
3.5%

Travel

No lounge access on this card.
None

Payments

Joining fee: ₹500. Annual: ₹500.
₹500
Annual fee waived on spending ₹50,000 per year.
Spend ₹50,000