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 | ₹500 + applicable taxes | ✓ |
| Fee waiver (min spend) | ₹50,000 / AnnumMITC v4.3, fee table L366-367 | ₹50,000/year (spend ₹50,000+ in the first year to waive 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 (min ₹400/txn, max ₹250 per cycle) | ✓ |
| Forex markup | 3.5%MITC v4.3, fee table L366-367 | NOT STATED | • |
| Reward rate | Not in MITC (product term) | 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 | Not in MITC | No explicit welcome bonus stated; includes complimentary IndianOil XTRAREWARDS program membership | • |
| Lounge access | Not in MITC | None stated (entry-level fuel card; no lounge access listed) | • |
| Eligibility | Not in MITC | Salaried: net monthly income ₹12,000, age under 60; Self-employed: min annual income ₹6 lakh, age under 65; Indian resident | • |
✓ both agree ⚠ differ — verify • MITC only • microsite only
Live microsite fetch this run: thin 37, ok 3, blocked 1. HDFC microsites are JavaScript-rendered, so where the live fetch was thin the microsite column shows the fact as previously recorded from that card’s HDFC page — open the linked URL 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
- Indian Oil HDFC Bank Credit Card
- Fuel Benefits. Ready For You
Related Fuel & Travel cards
stop guessing what you earn
Know the fees. Then track what you actually pay.
This catalogue shows the card. OneStatement reconciles your real statements to the paisa — fees audited, rewards tracked, every cycle balanced, 100% on your device. No cloud, no account.