Basic Information

Welcome Benefits Welcome Benefits: Complimentary IndianOil XTRAREWARDS™ Program (IXRP) membership; ₹250 voucher on card activation + at least one transaction within 37 days of card issuance

Card Details Card Name: IndianOil HDFC Bank Credit Card
Bank Name: HDFC Bank
Card Type: Co-Branded Credit Card
Network: RuPay

Card Category Card Category: Entry Level

Payment Network Payment Network: RuPay

Eligibility Minimum Income Required: Salaried: Gross monthly income > ₹12,000; Self-employed: ITR > ₹6 lakh/year
Employment Type: Salaried / Self-Employed
Age Criteria: Salaried: 21–60 years; Self-employed: 21–65 years

Rewards Program

Reward Points Reward Rate: 5% Fuel Points at IndianOil outlets; 5% Fuel Points on eligible Groceries and Bill Payments; 1 Fuel Point per ₹150 on other eligible purchases including UPI
Reward Value: 1 FP = ₹0.96 when converted to IndianOil XTRAREWARDS points for fuel; 1 FP = up to ₹0.20 for catalogue; 1 FP = ₹0.20 for cashback
Reward Expiry: Fuel Points valid for 2 years

Cashback Cashback Rate: Fuel Points can be redeemed as cashback at ₹0.20 per Fuel Point
Cashback Limit: Cashback/reward redemption capped at 50,000 points per month

Redemption Reward Redemption Options: IndianOil fuel via IXRP/XTRAREWARDS; product catalogue; cashback against statement balance
Redemption Fee: ₹50 for cashback redemption; ₹99 + taxes for applicable reward catalogue redemption

Travel Benefits

Travel Offers Travel Booking Offers: —

Shopping Benefits

Online Shopping Online Shopping Benefit: ₹1,000 cashback on shopping in-app over 200+ brands

Brand Offers Merchant Discounts: Additional cashback offers available through PayZapp/eligible offers

EMI Offers Merchant EMI: Smart EMI available for eligible transactions

Fuel Benefits

Fuel Savings Fuel Cashback: 5% Fuel Points on eligible fuel spends at IndianOil outlets
Fuel Surcharge Waiver: 1% fuel surcharge waiver at fuel stations across India; eligible transaction ₹400–₹5,000; maximum waiver ₹250 per statement cycle

Fuel Rewards Fuel Reward Points: 5% Fuel Points at IndianOil outlets; first 6 months maximum 250 FP/month, thereafter maximum 150 FP/month

Daily Spending Benefits

Utility Bills Utility Bills: 5% Fuel Points on eligible bill payments; maximum 100 Fuel Points/month

Grocery Grocery: 5% Fuel Points on eligible grocery spends; maximum 100 Fuel Points/month

Insurance & Protection

Card Security Fraud Protection: Zero Cost Card Liability on fraudulent transactions when reported immediately to HDFC Bank 24-hour call centre

Digital Features

Payments Contactless Payment: Contactless payment supported; up to ₹5,000 per transaction without PIN
UPI on Credit Card: UPI transactions supported; other eligible purchases including UPI earn 1 FP per ₹150

Mobile Wallet PayZapp: Card can be linked to PayZapp

Add-on Features

EMI Features EMI Conversion: Smart EMI option available to convert eligible large spends into EMI

Fees & Charges

Joining Charges Joining Fee: ₹500 + applicable taxes

Annual Charges Annual Fee: ₹500 + applicable taxes
Annual Fee Waiver: Renewal fee waived on spending ₹50,000 or more in the first year

Finance Charges Interest Rate: Up to 3.49% per month / 41.88% per annum
Interest-Free Period: Up to 50 days

Cash Advance Charges Cash Withdrawal Fee: —

EMI Charges EMI Facility: Smart EMI available
EMI Processing Fee: Up to ₹299 for merchant EasyEMI

Forex Charges Forex Markup Fee: 3.5%

Other Charges Card Replacement Fee: ₹100
Duplicate Statement Fee: ₹10 for physical duplicate statement
Overlimit Fee: 2.5% of overlimit amount, minimum ₹550

Customer Support

Service 24×7 Customer Support: HDFC Bank 24-hour customer support / call centre

Performance & Ratings

Best Usage Best For: Fuel, Grocery, Bill Payments

Advantages Pros: Strong IndianOil fuel rewards; 5% Fuel Points on groceries and bill payments; 1% fuel surcharge waiver; complimentary IXRP membership; up to 50 days interest-free credit

Limitations Cons: Fuel-point earning has monthly caps; fuel-point value is highest when redeemed for IndianOil fuel; annual fee ₹500 unless ₹50,000 annual spend condition is met