{
  "id": "hdfc-indian-oil-credit-card",
  "locale": "en",
  "name": "HDFC Indian Oil Credit Card",
  "bank": "HDFC Bank",
  "cardType": "entry-level",
  "cardTier": "entry",
  "annualFee": "₹500 + GST",
  "loungeAccess": "No lounge access",
  "rewardsRate": "5% on IndianOil Fuel (250 pts/mo) · 5% on Grocery/BillPay (100 pts/mo) · 1 Fuel Pt = ₹0.20",
  "bestFor": "Daily commuters, IndianOil petrol pumps, grocery spends & easy ₹50k annual spend fee waiver",
  "officialLink": "https://www.hdfc.bank.in/credit-cards/indianoil-hdfc-bank-credit-card",
  "aiVerdict": {
    "score": 4,
    "summary": "Its modest reward rate and low annual fee offset the lack of lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "No extracted lounge benefit"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 0.67,
  "affiliateId": "hdfc-indian-oil-credit-card",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "LIVE_VERIFIED",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "HDFC Bank — IndianOil Credit Card tariff schedule",
    "Indian Oil Corporation Limited fuel point rewards program"
  ],
  "feeWaiver": "Waived at ₹50,000 annual spend",
  "networks": [
    "RuPay",
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "IndianOil Fuel",
      "value": "5% Valueback as Fuel Points"
    },
    {
      "key": "Groceries & BillPay",
      "value": "5% Fuel Points"
    },
    {
      "key": "General Retail",
      "value": "1 pt / ₹150 (0.67%)"
    },
    {
      "key": "Fuel Point Value",
      "value": "1 pt = ₹0.20 IndianOil Fuel"
    },
    {
      "key": "Fee Waiver Target",
      "value": "₹50,000 / year"
    },
    {
      "key": "Annual Fee",
      "value": "₹500 + GST"
    }
  ],
  "earnRates": [
    {
      "category": "IndianOil Petrol & Diesel Outlets",
      "rate": "5.0% Fuel Points",
      "monthlyCap": "150–250 pts / mo",
      "perLakhSpent": "5,000 pts (₹1,000 value)"
    },
    {
      "category": "Groceries & Utility Bill Payments",
      "rate": "5.0% Fuel Points",
      "monthlyCap": "100 pts / mo",
      "perLakhSpent": "5,000 pts (₹1,000 value)"
    },
    {
      "category": "All Other Domestic Retail Spends",
      "rate": "1 pt / ₹150 (0.67%)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "666 pts (₹133 value)"
    },
    {
      "category": "Fuel & Rent",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 pts"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "IndianOil Fuel Outlets",
      "multiplier": "5.0%",
      "rate": "5% Points",
      "monthlyCap": "150–250 pts / mo",
      "dailyCap": "—",
      "note": "On fuel spends."
    },
    {
      "channel": "Groceries & Utility Bills",
      "multiplier": "5.0%",
      "rate": "5% Points",
      "monthlyCap": "100 pts / mo",
      "dailyCap": "—",
      "note": "On supermarkets & utilities."
    },
    {
      "channel": "Fee Waiver",
      "multiplier": "100%",
      "rate": "₹500 Waived",
      "monthlyCap": "1 / year",
      "dailyCap": "—",
      "note": "Waived at ₹50,000 spend."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "IndianOil Fuel Redemption (XTRAREWARDS POS)",
      "value": "₹0.20 / Fuel Point",
      "minPoints": "250 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "SmartBuy Travel & Vouchers",
      "value": "₹0.20 / Fuel Point",
      "minPoints": "500 pts",
      "ceiling": "None",
      "fee": "₹99 + GST",
      "isBest": false
    }
  ],
  "exclusions": [
    "Rent payments.",
    "Fuel purchases at non-IndianOil fuel stations.",
    "Wallet load transactions."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹500 + GST"
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹500 + GST (Waived at ₹50,000 spend)"
    },
    {
      "item": "Forex Markup",
      "value": "3.5% + GST"
    },
    {
      "item": "Finance Charges",
      "value": "3.49% / month (41.88% / year)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age",
      "requirement": "21–60 years"
    },
    {
      "criteria": "Salaried Income",
      "requirement": "₹20,000+ monthly net salary"
    },
    {
      "criteria": "Self-Employed Income",
      "requirement": "ITR above ₹2.5 Lakhs per annum"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}