HDFC Bank · Entry
IndianOil HDFC Bank
Where it ranks across all 187 cards
#28 Fuel
0.3%
at IndianOil (IOCL) pump
direct
#101 Utility bills
0.2%
direct
#166 Groceries
0.2%
direct
#96 Education
0.1%
direct
#136 Gaming
0.1%
direct
#149 Mobile / broadband
0.1%
direct
#161 Train tickets
0.1%
direct
#168 Cabs & transit
0.1%
direct
#176 Dining out
0.1%
direct
#176 Flights
0.1%
direct
#176 Hotels
0.1%
direct
#176 Health & pharmacy
0.1%
direct
#176 Other
0.1%
direct
#177 Electronics
0.1%
direct
#178 Online shopping
0.1%
direct
#179 Food delivery
0.1%
direct
#179 Movies & events
0.1%
direct
#179 Fashion
0.1%
direct
Get an email if this card changes - sign in.
HDFC: '1 Fuel Point = 3XP = 96 Paise' when converted to IndianOil XTRAREWARDS for free fuel at participating outlets; catalogue 'upto 20 paise'; CashBack against statement '1 FP = 20 Paise'. Rankings use the 20 paise cashback value.
Points valued at ₹0.2/pt - conservative, what rankings use
Reward rules4 direct
Base rate - everything not covered below
0.13%base rate
1 pt / ₹150
source
Source: IndianOil HDFC Bank Credit Card - hdfcbank.com - read 25 Sep 2026
No Fuel Points on fuel away from IndianOil pumps
0.00%this rule
0 pts / ₹150
source
Source: IndianOil HDFC Bank Credit Card T&C (bank PDF) - hdfc.bank.in - read 26 Sep 2026
5% Fuel Points at IndianOil outlets (1 FP / Rs20)
1.00%this rule
1 pt / ₹20
how it works & source
Only at IndianOil pumps. Redeemed as free fuel there (1 Fuel Point = ₹0.96) this is 4.8%; the rate shown uses the ₹0.20 cashback value.
Source: IndianOil HDFC Bank Credit Card page - hdfcbank.com - read 25 Sep 2026
5% Fuel Points on groceries and bill payments (1 FP / Rs20, max 100 pts/month per category)
1.00%this rule
1 pt / ₹20
source
Source: IndianOil HDFC Bank Credit Card page - hdfcbank.com - read 25 Sep 2026
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
Earns nothing on5 exclusions
Jewellery & watches
earns nothing
No Fuel Points on jewellery.
→ use Tata Neu Infinity HDFC here (5.0%)
detail & source
categories: Jewellery & watches
Source: IndianOil HDFC Bank Credit Card T&C (bank PDF) - hdfc.bank.in - read 26 Sep 2026
Insurance
earns nothing
No Fuel Points on insurance.
→ use Axis Burgundy Private here (6.4%)
detail & source
categories: Insurance
Source: IndianOil HDFC Bank Credit Card T&C (bank PDF) - hdfc.bank.in - read 26 Sep 2026
EMI
earns nothing
No Fuel Points on EMI (all types).
→ use Kotak Solitaire Credit Card here (3.0%)
detail & source
categories: EMI
Source: IndianOil HDFC Bank Credit Card T&C (bank PDF) - hdfc.bank.in - read 26 Sep 2026
Wallet load
earns nothing
No Fuel Points on wallet loads.
→ use SC Ultimate here (3.3%)
detail & source
categories: Wallet load
Source: IndianOil HDFC Bank Credit Card T&C (bank PDF) - hdfc.bank.in - read 26 Sep 2026
Rent, Government / tax
earns nothing
No reward point accrual on rental and government category payments.
→ use Axis Burgundy Private here (4.2%)
detail & source
categories: Rent, Government / tax
Source: IndianOil HDFC Bank Credit Card page - hdfcbank.com - read 25 Sep 2026
Perks the card unlocks at these places, beyond its earn rate. They never change a ranking - check the bank page before you count on one.