Dynamic currency conversion Markup Fee: With effect from 20th May 2026, a Markup fee of 1.75% will be levied on all transactions carried out in Indian Currency at an international location or at merchants which are located in India but registered overseas.
Indian Oil HDFC Bank
HDFC Bank
Annual fee
₹500
free if you spend ₹50,000
Joining fee
₹500
Only part of this card's detail is published where we can read it. Anything missing below is missing from the issuer's documents, not proof the card lacks it.
Earns more
4Airport lounge access
Within IndiaNot confirmed
Outside IndiaNot confirmed
Check HDFC Bank's current card page
Points
Make the most of this card
Keep the rewards you earn
Monthly Max cap for Fuel Points accrued on IndianOil Outlets post 6 months is: 150 FP
More rules and steps
Redemption of Reward Points to CashBack and Travel categories will be capped at 50,000 points per month per customer
Use the bonus earning channel
*Accelerated 5% Fuel Points benefit will be given only for non-UPI transactions done at IndianOil Retail Outlets. Click here for fuel points on UPI transactions on IOCL card.
Benefits
3Conditions apply — read the clause.
Conditions apply — read the clause.
Earns, up to a limit
1The normal rate, until a ceiling in the terms.
Earns nothing
6Spend here and the terms say you earn no rewards.
Terms disagree
1Two clauses say different things. We are not guessing which one applies.
Earns the normal rate
1Dated changes
2Dates the terms name for something changing.
Dynamic currency conversion currency conversion Markup Fee: With effect from 15th May 2026, a Markup fee of 1.75% will be levied
Every line above is read from HDFC Bank's own published documents. Tap a line to see the clause. Before a large payment, check the linked document yourself.