HDFC BANK · CHECKED 22 OCT 2026

IndianOil HDFC Bank Credit Card

Best on Airtel Thanks, BigBasket, Blinkit and 2 more apps: 4.8% back.

₹500 a yearFee waived at ₹50,000 spendPaid as Fuel Points

Where it earns the most

Airtel Thanks4.8%orders of ₹150+ · up to ₹96 a month#3 of 50 cards

BigBasket4.8%orders of ₹150+ · up to ₹96 a month#7 of 50 cards

Blinkit4.8%orders of ₹150+ · up to ₹96 a month#10 of 50 cards

JioMart4.8%orders of ₹150+ · up to ₹96 a month#7 of 50 cards

Zepto4.8%orders of ₹150+ · up to ₹96 a month#6 of 50 cards

AJIO0.64%orders of ₹150+#34 of 50 cards

Everywhere else

0.64% backAmazonApollo 24|7BookMyShowCleartripDistrictDomino'sFlipkartGoibiboixigoMakeMyTripMeeshoMyntraNykaaPVR INOXReliance DigitalSwiggySwiggy InstamartTata CLiQTata NeuUberZomato
Nothing backIRCTC Rail Connect

Where another card earns more

Airtel ThanksAirtel Axis earns more here25%vs 4.8%
AJIOHSBC Live+ earns more here10%vs 0.64%
BookMyShowAxis Neo earns more here10%vs 0.64%
DistrictAirtel Axis earns more here10%vs 0.64%
Domino'sHSBC Live+ earns more here10%vs 0.64%

All the details: fees, points and limits in every app

Bank: HDFC Bank
Network: Visa, RuPay
Open to new applications?: Yes
Joining fee: ₹500
Annual fee: ₹500
Fee waiver: Renewal fee waived after ₹50,000 of spend in the year.
Rewards paid as: Fuel Points
One point is worth: ₹0.96
How the points are used: ₹0.96 a point as fuel at IndianOil outlets, in blocks of 500 points; points last 2 years
Other ways to use the points: credit against the bill (12,500 points minimum, ₹50 fee) (₹0.2 each); catalogue products (up to ₹0.2 each); airmiles (₹0.25 each); flights and hotels on SmartBuy (₹0.2 each)
Checked on: 22 Oct 2026

Official page: HDFC Bank

App	Reward	Min. order	Limit	Rank of 50
Airtel Thanks	4.8% as Fuel Points	₹150+	Up to ₹96 per calendar month	#3
BigBasket	4.8% as Fuel Points	₹150+	Up to ₹96 per calendar month (one limit shared with the card's other apps at this rate)	#7
Blinkit	4.8% as Fuel Points	₹150+	Up to ₹96 per calendar month (one limit shared with the card's other apps at this rate)	#10
JioMart	4.8% as Fuel Points	₹150+	Up to ₹96 per calendar month (one limit shared with the card's other apps at this rate)	#7
Zepto	4.8% as Fuel Points	₹150+	Up to ₹96 per calendar month (one limit shared with the card's other apps at this rate)	#6
AJIO	0.64% as Fuel Points	₹150+	No stated limit	#34
Amazon	0.64% as Fuel Points	₹150+	No stated limit	#34
Apollo 24\|7	0.64% as Fuel Points	₹150+	No stated limit	#30
BookMyShow	0.64% as Fuel Points	₹150+	No stated limit	#37
Cleartrip	0.64% as Fuel Points	₹150+	No stated limit	#34
District	0.64% as Fuel Points	₹150+	No stated limit	#32
Domino's	0.64% as Fuel Points	₹150+	No stated limit	#38
Flipkart	0.64% as Fuel Points	₹150+	No stated limit	#34
Goibibo	0.64% as Fuel Points	₹150+	No stated limit	#34
ixigo	0.64% as Fuel Points	₹150+	No stated limit	#28
MakeMyTrip	0.64% as Fuel Points	₹150+	No stated limit	#34
Meesho	0.64% as Fuel Points	₹150+	No stated limit	#31
Myntra	0.64% as Fuel Points	₹150+	No stated limit	#33
Nykaa	0.64% as Fuel Points	₹150+	No stated limit	#32
PVR INOX	0.64% as Fuel Points	₹150+	No stated limit	#37
Reliance Digital	0.64% as Fuel Points	₹150+	No stated limit	#30
Swiggy	0.64% as Fuel Points	₹150+	No stated limit	#42
Swiggy Instamart	0.64% as Fuel Points	₹150+	No stated limit	#34
Tata CLiQ	0.64% as Fuel Points	₹150+	No stated limit	#31
Tata Neu	0.64% as Fuel Points	₹150+	No stated limit	#31
Uber	0.64% as Fuel Points	₹150+	No stated limit	#33
Zomato	0.64% as Fuel Points	₹150+	No stated limit	#41
IRCTC Rail Connect	Fee is more than the reward	₹150+	—	#44

Questions people ask

Where does IndianOil HDFC earn the most?

IndianOil HDFC Bank Credit Card earns its highest rewards on Airtel Thanks (4.8% as Fuel Points), BigBasket (4.8% as Fuel Points) and Blinkit (4.8% as Fuel Points).

What is the annual fee of IndianOil HDFC, and can it be waived?

IndianOil HDFC has a joining fee of ₹500 and an annual fee of ₹500. Renewal fee waived after ₹50,000 of spend in the year.

How much is one IndianOil HDFC point worth?

About ₹0.96 each when used as the bank shows first: ₹0.96 a point as fuel at IndianOil outlets, in blocks of 500 points; points last 2 years. Other options: credit against the bill (12,500 points minimum, ₹50 fee) (₹0.2 each); catalogue products (up to ₹0.2 each); airmiles (₹0.25 each); flights and hotels on SmartBuy (₹0.2 each).

Is IndianOil HDFC still available?

Yes, the bank still issues it to new customers.

Rewards are as per HDFC Bank’s published terms on the date shown and can change. Pickkard isn’t a bank and isn’t connected to HDFC Bank. Check the official page before applying.