Verified — 16/16 categories
HDFC
IndianOil HDFC
Best forUtilities & Fuel
Earns5% Fuel Points on bill p on utilities
1st Year / Joining Fee
₹500 + taxes
Renewal Fee
Not recorded
Fee waiver
₹50,000
annual spend
Network
Not recorded
HDFC
IndianOil HDFC
Why this card may suit you
Based on the card's verified terms.
- Best suited to spending on utilities and fuel, where it earns 5% Fuel Points on bill p
- Annual fee is waived at ₹50,000 yearly spend
How you earn
Reward rates at a glance — exactly as recorded for this card.
Utilities5% Fuel Points on bill p
FuelOnly at IndianOil outlets5% Fuel Points
Groceries5% Fuel Points
Shopping0.67 FP/₹150 (1 FP/₹150)
All 16 reward categories · 16 of 16 categories verified
| Category | Rate | Cap | Condition |
|---|---|---|---|
| Rent | No reward | — | —Details
|
| Education | — | — | Education reward eligibility subject to direct institution payment channelDetails
|
| Insurance | No reward | — | —Details
|
| Utilities | 5% Fuel Points on bill p | — | 5% Fuel Points on bill payments shared with groceries, capped at 100 FP/moDetails
|
| Fuel | 5% Fuel Points | 250 FP per month | Only at IndianOil outletsDetails
|
| Groceries | 5% Fuel Points | 100 FP per month | 5% Fuel Points on groceries & bill payments capped at 100 FP/moDetails
|
| Dining | — | — | HDFC verified rule for DiningDetails
|
| Food Delivery | — | — | HDFC verified rule for Food DeliveryDetails
|
| Shopping | 0.67 FP/₹150 (1 FP/₹150) | — | HDFC verified rule for ShoppingDetails
|
| Travel | — | — | HDFC verified rule for TravelDetails
|
| Government | No reward | — | —Details
|
| Wallet | No reward | — | —Details
|
| Railways | — | — | Railways transactions earn standard base rewardDetails
|
| FASTag | — | — | HDFC verified rule for FASTagDetails
|
| Jewellery | — | — | HDFC verified rule for JewelleryDetails
|
| Telecom | — | — | HDFC verified rule for TelecomDetails
|
“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.
Cost & caps
What it costs to hold, and where rewards stop.
1st Year / Joining Fee
₹500 + taxes
Renewal Fee
Not recorded
Fee waiver
₹50,000
annual spend
Reward caps
- Fuel — 250 FP / month (per category — Fuel)
- Groceries — 100 FP / month (shared cap — Groceries)
Spending thresholds
- Spend ₹50,000 per card year → annual fee waived
Key benefits
Rewards
5% Fuel Points on bill p on utilities
Fuel surcharge waiver
HDFC verified: 5% IOCL fuel valueback, ₹50k renewal waiver verified
Fee waiver
Annual fee waived on ₹50,000 annual spend
Important to know
Limits and exclusions that change what you earn.
- Fuel reward (5% Fuel Points) applies only at IndianOil outlets — not to all fuel spends
- Fuel rewards are capped at 250 FP / month (per category — Fuel)
- Groceries rewards are capped at 100 FP / month (shared cap — Groceries)
- No reward on: Rent, Insurance, Government, Wallet
- Spend ₹50,000 per card year → annual fee waived
Who should consider this card
✓ Good fit if
- Your spending is concentrated in utilities, fuel, groceries
- You regularly spend only at IndianOil outlets
- You can reach the ₹50,000 annual spend that waives the fee
△ Less useful if
- Much of your spending is in rent, insurance, government, which earn nothing
- Your spending is not only at IndianOil outlets
- You cannot reach the fee-waiver spend and would pay the annual fee
Full details
Everything else, expanded on demand.
Caps & exclusions · 2 caps · 4 no-reward categories
Caps
- Fuel — 250 FP / month (per category — Fuel)
- Groceries — 100 FP / month (shared cap — Groceries)
Categories with no reward or not eligible
- Rent — No reward.
- Insurance — No reward.
- Government — No reward.
- Wallet — No reward.
Milestones · 1 recorded
- Spend ₹50,000 per card year → benefit worth ₹500 — Annual fee waiver on spending ₹50,000 in a year.
Eligibility
Subject to HDFC's underwriting and eligibility criteria. See the issuer's terms for current requirements.
Specifications
- Payment network: Not recorded
- Airport lounge: Not recorded by DhanChakshu — check the issuer terms
- Fuel surcharge waiver: HDFC verified: 5% IOCL fuel valueback, ₹50k renewal waiver verified
- Foreign-currency markup: Not recorded by DhanChakshu — check the issuer terms
What DhanChakshu couldn't fully verify · 3 areas
3 areas need further verification. None of these are counted as zero.
- • Lounge benefit — not recorded; check the issuer terms
- • Foreign-currency markup — not recorded; check the issuer terms
- • Payment network — not recorded
Sources & verification
Verification & sources · last checked 2026-09-22
Verification coverage: All 16 categories verified
Card record last checked: 2026-09-22
Documents used
Fuel Points, caps, exclusions, IOCL TID/MID · HDFC-PASS6-10