IHVISARuPay
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IndianOil HDFC BankHDFC Bank
Fees & charges
| Joining fee | ₹500 + applicable taxes |
|---|---|
| Annual / renewal fee | ₹500 + applicable taxes |
| Renewal-fee waiver | ₹50,000/year (spend ₹50,000+ in the first year to waive the renewal membership fee) |
| Network | VISARuPay Visa / RuPay (offered on both networks) |
Rewards & benefits
| Reward rate | 5% as Fuel Points on IndianOil fuel outlets (up to 250 FP/mo for first 6 months, then 150 FP/mo), groceries (up to 100 FP/mo) and bill payments/utilities (up to 100 FP/mo); 1 FP per ₹150 on other retail spends |
|---|---|
| Welcome benefit | No explicit welcome bonus stated; includes complimentary IndianOil XTRAREWARDS program membership |
| Lounge access | None stated (entry-level fuel card; no lounge access listed) |
| Key benefits | Fuel-focused rewards card: 5% Fuel Points on fuel/groceries/bills + 1% fuel surcharge waiver (min ₹400/txn, max ₹250 per cycle), up to 50 interest-free days, XTRAREWARDS membership |
Eligibility & status
| Eligibility / income | Salaried: net monthly income ₹12,000, age under 60; Self-employed: min annual income ₹6 lakh, age under 65; Indian resident |
|---|---|
| Status note | active |
Sources compared — HDFC's MITC (PDF) vs the card's microsite
Every fact is shown from both of HDFC's own sources so you can verify it yourself — the MITC PDF ↗ (the binding fee document) and the product microsite ↗. Nothing is omitted or paraphrased.
| Fact | 📄 MITC PDF | 🔗 Microsite | |
|---|---|---|---|
| Joining / annual fee | ₹ 500MITC v4.3, fee table L366-367 | Joining/Renewal Membership Fee – ₹500/- plus Applicable Taxes | ✓ |
| Fee waiver (min spend) | ₹50,000 / AnnumMITC v4.3, fee table L366-367 | Spend ₹50,000 or above in the first year and get a waiver on the renewal membership fee | ✓ |
| Fuel surcharge waiver | 1% fuel surcharge waiver on minimum transaction of ₹400 & maximum transaction of ₹5000. Maximum waiver of ₹250 per statement cycleMITC v4.3, fee table L366-367 | 1% Fuel Surcharge waiver at all Indian fuel stations (min ₹400/transaction, max ₹250/cycle) | ✓ |
| Forex markup | 3.5%MITC v4.3, fee table L366-367 | 3.5% Mark-Up fee will be applicable on all International / Cross currency transaction | ✓ |
| Reward rate | Not in MITC (product term) | Earn 5% of your spends as Fuel Points at IndianOil outlets*; Earn 5% Fuel Points on Groceries & Bill Payments (POS & online; max 100 points/month per category*); Earn 1 Fuel Point for every ₹150 spent on other purchases, including UPI transactions. Applicable on card swipes, Max 250 Fuel Points per month in first 6 months, Max 150 Fuel Points post 6 months from card issuance* | • |
| Welcome benefit | Not in MITC | Welcome Benefits: Complimentary IndianOil XTRAREWARDSTM Program (IXRP) membership. Activation Benefits: INR 250 worth of voucher upon card activation and completion of at least one transaction within 37 days from card issuance date | • |
| Lounge access | Not in MITC | None stated (entry-level fuel card; no lounge access listed) | • |
| Eligibility | Not in MITC | Salaried — Nationality: Indian; Age: Minimum 21 years, Maximum 60 Years; Net Monthly Income: > ₹12,000. Self-Employed — Nationality: Indian; Age: Minimum 21 years, Maximum 65 years; Annual Income: ITR > ₹6 lakh per annum | • |
✓ both agree ⚠ differ — verify • MITC only • microsite only
Microsite values are captured VERBATIM from each card's live HDFC page (fetched 2026-07-04). Quality of capture: rich 55, partial 15, thin 4. Open the linked page to verify. See the full schedule of charges → (finance charges, cash-advance, late-fee slabs…), all cited to the MITC.
Verbatim quotes captured from the live microsite
- Joining/Renewal Membership Fee – ₹500/- plus Applicable Taxes
- Earn 5% of your spends as Fuel Points at IndianOil outlets*
- Spend ₹50,000 or above in the first year and get a waiver on the renewal membership fee
- 1% Fuel Surcharge waiver at all Indian fuel stations (min ₹400/transaction, max ₹250/cycle)
- 3.5% Mark-Up fee will be applicable on all International / Cross currency transaction
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