Credit Card Compare

IndianOil HDFC Bank Credit Card

Data last updated 25 October 2026
45.00%
Purchase rate
₹500
Annual fee
50 days
Interest-free

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Application

CardIQ

25Basic

Basic

Overall score, out of 100 · How this works

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Customer reviews

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Pros & cons

What's good

  • No fee to add an additional cardholder.

Worth noting

  • ₹500 plus Applicable Taxes for both joining and renewal. Renewal fee waived on spending ₹50,000 or above in the first year. Tax not included in stated fee.
  • Earns 1 Fuel Point per ₹150 on everyday spend, below the dataset average.
  • Requires a minimum income of ₹1,44,000 a year.
  • No balance transfer or introductory purchase offer.

Card details

The basics

Additional cardholder fee
₹0 p.a.
Card tier
Not published
Card type
Not published
Card use
Personal
Credit limit
Not published
Credit rating
Not published
Rewards program
IndianOil Fuel Points

Eligibility

Instant approval
Not published
Joint application
Not published
Minimum age
21 years old
Minimum income
₹1,44,000 p.a.
Residency
Indian
Temporary residents
Not published

Rates & fees

Ongoing interest rates

Cash advances
45.00% p.a.
Purchases
45.00% p.a.

Fees

Additional cardholder fee
₹0
Annual fee
₹500 p.a.
Cash advance fee
2.5% of the amount
Foreign transaction fee
3.5%
Late payment fee
₹1,300
Over limit fee
₹550

Repayments

Interest-free period
Up to 50 days on purchases
Minimum repayment
5% of the total outstanding balance or ₹200, whichever is higher

Balance transfers

This card has no promotional balance transfer offer.

Introductory purchase offer

This card has no introductory purchase rate offer.

Rewards

Earn rate

Everyday spend
1 Fuel Point per ₹150
Bonus categories
None
Other purchases
None
Overseas spend
None
Reduced rate above monthly cap
None
Points cap
Uncapped
Points expiry
Fuel Points are valid for a period of 2 years.

Sign-up bonus

Bonus spend required
—
Sign-up bonus
—

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Interest-free days50 daysTop 10% (8th of 73 cards)
Purchase rate45.00%Top 25% (21st of 91 cards)
Overseas fee3.50%Better than most (33rd of 91 cards)
Annual fee₹500 a yearBetter than most (35th of 91 cards)
Rewards value₹900 a yearAmong the weakest we track (58th of 61 cards)

Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Sources

Credit Card Compare
Australian credit card statisticsHow CardIQ scores cards
Issuer
HDFC Bank