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HDFC · entry tier
HDFC IndianOil Credit Card
IndianOil fuel cashback — 5% back at IOC pumps
Joining fee
₹500
Annual fee
₹500
Base rate
1%
Expert rating
7.5/10
— Real annual value
What's it actually worth for you?
₹50.0K
Gross rewards₹6,000
Fees-₹1,000
Net annual value+₹5,000
Value breakdown
Base rate (1%)+₹6,000
Annual fee₹500
Joining fee (year 1)₹500
— Highlights
- 5% fuel points at IOC
- 1% everywhere else