Save on fuel expenses with HDFC Bank fuel credit cards by earning rewards on eligible purchases, while enjoying fuel surcharge waivers and valuable savings benefits.
Last updated on: Sep 22, 2026
HDFC Bank fuel credit cards can help you save on fuel expenses through benefits such as fuel surcharge waivers, reward points on eligible fuel transactions, and rewards on everyday spending categories. Whether you choose from options like the IndianOil HDFC Bank Credit Card, HDFC Bank BizGrow Credit Card, Tata Neu Plus HDFC Bank Credit Card and others, you can enjoy fuel-related savings and additional rewards that add value to your regular purchases and driving expenses.
An HDFC Bank fuel credit card is designed to help cardholders save on fuel expenses through fuel-related rewards and benefits. HDFC Bank offers fuel-focused credit cards, including co-branded variants with fuel and lifestyle partners, that provide benefits such as reward points on fuel purchases, fuel surcharge waivers, and rewards on everyday spending categories. These cards are particularly useful for frequent commuters, vehicle owners, and households with regular fuel expenses, helping convert routine spending into valuable savings and rewards.
Some examples of HDFC Bank Credit Cards that offer fuel-related benefits include:
IndianOil HDFC Bank Credit Card: Offers rewards on fuel purchases and select everyday spending categories
HDFC Bank BizGrow Credit Card: Provides fuel surcharge waiver benefits along with business-focused features
HDFC Bank BizFirst Credit Card: Includes fuel surcharge waiver benefits and rewards tailored for business expenses
HDFC Bank MoneyBack Plus Credit Card: Combines fuel surcharge waiver benefits with rewards on retail spending
Tata Neu Plus HDFC Bank Credit Card: Offers fuel surcharge waiver benefits alongside rewards across the Tata ecosystem
An HDFC fuel credit card stands out for its focused fuel rewards and everyday value. Below is a summary of the key fuel-oriented HDFC Bank Credit Cards and their primary benefits:
| Card Name | Joining Fee | Annual Fee | Fuel Benefits |
|---|---|---|---|
₹500 + GST |
₹500 + GST (waived on ₹50,000 annual spend) |
|
|
₹500 + GST |
₹500 + GST (waiver criteria may apply) |
|
|
₹500 + GST |
₹500 + GST (waiver on ₹20,000 annual spend) |
1% fuel surcharge waiver (₹400–₹5,000, max ₹250/cycle) |
|
₹500 + GST |
₹500 + GST (waiver criteria may apply) |
1% fuel surcharge waiver (₹400–₹5,000, max ₹250/cycle) |
Disclaimer: All figures, rewards, and eligibility criteria are based on current issuer information and may change. Please verify the latest terms and conditions on the official HDFC Bank or partner website before applying.
HDFC Bank has clear eligibility norms for the IndianOil HDFC Bank Credit Card, varying by applicant type:
| Applicant Type | Nationality | Age Limit | Minimum Income Requirement |
|---|---|---|---|
Salaried |
Indian citizen |
21 to 60 years |
Net monthly income > ₹12,000 |
Self-Employed |
Indian citizen |
21 to 65 years |
Annual ITR > ₹6 lakhs |
Disclaimer: Income thresholds and age limits are as per current issuer guidelines and may be revised. Applicants must also submit standard KYC documents such as PAN, Aadhaar/passport, address proof, and income proof (salary slips/Form 16 for salaried; ITR for self-employed).
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You can earn up to 50 litres of free fuel annually by accumulating fuel points through spends on IndianOil fuel, groceries, and bill payments. By regularly using your card for eligible purchases, you can accumulate reward points that can translate into significant fuel savings over the course of a year.
HDFC Bank offers several credit cards with fuel-related benefits, including reward points, fuel surcharge waivers, and partner-specific rewards. The most suitable option depends on your spending habits and reward preferences.
On the IndianOil HDFC Bank Credit Card, 1 Fuel Point equals ₹0.96 when redeemed for fuel at IndianOil outlets. For other redemptions (cashback or catalogue), the value may be lower.
A 1% fuel surcharge is an additional fee levied by fuel stations on credit card transactions. HDFC Bank fuel cards waive this surcharge for transactions between ₹400 and ₹5,000, capped at ₹250 per billing cycle, effectively saving you up to ₹250 each month on fuel spends.
HDFC Bank Fuel credit cards typically offer a 1% fuel surcharge waiver on eligible fuel transactions (₹400–₹5,000), with a maximum waiver of ₹250 per statement cycle.
To avoid fuel surcharge, use an HDFC Bank Fuel credit card that offers a 1% surcharge waiver on fuel transactions between ₹400 and ₹5,000. Ensure each transaction falls within this range to maximise the waiver benefit (capped at ₹250 per cycle).
HDFC Bank Fuel Credit Cards can help you save on fuel expenses through benefits such as reward points on eligible purchases, fuel surcharge waivers, welcome offers, and annual fee waivers. Depending on the card variant, you may also enjoy partner-specific rewards and savings on everyday spending categories.