# IndianOil HDFC Bank

HDFC Bank · RuPay. ₹500 fee · 3.5% forex · 1 FP / ₹150 incl UPI (≈0.13% at ₹0.20/FP).

verified · checked 3 July 2026 · Source: https://www.hdfc.bank.in/credit-cards/indianoil-hdfc-bank-credit-card

## How it earns (4)

- 1 FP / ₹150 incl UPI (≈0.13% at ₹0.20/FP) · verified · checked 3 July 2026
- 5% FP on groceries (cap 100 FP/mo) · cap 100 points per month · verified · checked 3 July 2026
- 5% FP on utility bill payments (cap 100 FP/mo) · cap 100 points per month · verified · checked 3 July 2026
- 5% Fuel Points at IOCL, cap 150 FP/mo (250 for the first 6 months) · card swipes only, UPI at pump earns base · ₹0.96/FP only via XTRAREWARDS fuel redemption · cap 150 points per month · verified · checked 3 July 2026

## On gift vouchers

- ₹13 back on a ₹10,000 voucher bought direct. · 1 FP / ₹150 incl UPI (≈0.13% at ₹0.20/FP)
- Vouchers for Tanishq, Google Pay (GPay), Gyftr, NoBroker Pay (rent) and 5 more brands: nothing.

Worked out on a ₹10,000 voucher with no deal running. Card data current to 21 October 2026.
Every card on vouchers: https://voucher.getbrief.cards/best-cards-for-vouchers

## What earns nothing (1)

- No Fuel Points: rent, govt, wallet, jewellery/gold, EMI

## Comes with (1)

- Complimentary IndianOil XTRAREWARDS (IXRP) membership · unlocks the ₹0.96/FP fuel redemption path

## Fees

- Annual fee: ₹500 + GST
  Waived at ₹50,000 spend per card year
- Forex markup: 3.5%
- DCC markup: 1.75%
- Earns: HDFC Fuel Points (IndianOil) · ₹0.2 a point at baseline

## Dated changes (0)


Every change, dated: https://getbrief.cards/changes

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Fees are before GST. A rate that has aged says so. Brief is not a financial adviser and takes no fee from any bank for the order of this page.

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Canonical: https://getbrief.cards/cards/hdfc-indianoil