If you’re looking to save on daily expenses while earning exciting rewards, the HDFC Indian Oil Credit Card has you covered. This card offers 5% back as Fuel Points on refueling at IndianOil outlets, grocery shopping, and bill payments. You also earn 1 Fuel Point for every ₹150 spent on other purchases, including UPI. With up to 50 litres of free fuel annually and complimentary IndianOil XTRAREWARDS™ membership, it’s a game-changer for smarter spending!
Credit Card Overview
| Category | Details |
|---|---|
|
Type of Card |
Fuel Credit Card |
|
Annual Fee |
₹ 500 + GST |
|
Reward Rate |
0.6%-5% |
|
USP |
Fuel transactions at Indian Oil outlets. |
|
Best Use For |
Earn up to 50 Litres of Free fuel annually |
Joining & Renewal Fees
| Category | Details |
|---|---|
|
Joining Fee |
₹ 500+ GST |
|
Joining Benefit |
Nil |
|
Welcome Benefit Criteria |
Nil |
|
Renewal Fees |
₹ 500+ GST |
|
Renewal Benefit |
Nil |
|
Renewal Waiver |
Spend ₹50,000 or more in the preceding 12 months and get the renewal membership fee waived for next year. |
Cashback Points Earning Potential
Cashback Redemption
This card offers various redemption value at different segments.
| Type | Value of 1 Reward point |
|---|---|
|
Product Catalogue |
upto 0.20 |
|
IOCL Fuel Points |
1 Fuel Point = 3 XtraRewards Point (XRP)
,1 XRP = 0.32
,1 Fuel Point = 0.96 |
|
Cashback |
0.20 |
Design & Appearance
The HDFC IndianOil Credit Card features a sleek and modern design, prominently displaying the HDFC Bank and IndianOil logos. It is available in both RuPay and Visa formats, ensuring broad acceptance. The card supports contactless payments, enhancing convenience for users. Its color scheme and branding reflect a focus on fuel efficiency and rewards.
Foreign Currency Transaction Fee (Forex)
The HDFC Indian Oil Credit card charges a 3.5% fee+ G.S.T on foreign currency transactions.
Eligibility and Application
The card is available to individuals with a monthly Salary of ₹12,000 and for self-employed, who have an annual income of ₹6 lakh as per your ITR with good credit score.
Fuel Surcharge Waiver
The card provides a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 maximum waiver amount is capped at ₹250 per statement cycle.
Add-On Cards
The HDFC Credit Card allows cardholders to avail add-on cards. These add-on cards share the same benefits as the primary card, making it easier for family members to enjoy the perks.
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Frequently Asked Questions
The maximum advantage you can gain from fuel purchases at Indian Oil petrol stations..
Rent payments made through this credit card are not eligible for any reward points.
The annual fee is ₹500+ GST.
Conclusion
The HDFC IndianOil Credit Card is a smart choice for anyone who spends on fuel regularly. With its generous savings, free fuel benefits, and added perks, it’s a great way to make your everyday expenses work harder for you. This card not only helps you save money but also adds convenience and value to your daily life, making it an ideal companion for smarter spending.