The Indian Oil HDFC Bank Credit Card is a smart choice for those who want to save on fuel and daily expenses. With 5% Fuel Points on fuel, groceries, and bill payments, along with a 1% fuel surcharge waiver, this co-branded card offers practical benefits for regular commuters and families. Affordable fees, dining discounts, and easy redemption at Indian Oil outlets make it one of the best entry-level fuel credit cards in India.