Explore Benefits of HDFC BankIndian OilCredit Card

HDFC Bank

Explore Indian Oil Credit Card

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

Instant Check Eligibility | Indian Oil Credit Card

Instant Check Eligibility

Frequently Asked Questions About Indian Oil Credit Card

What are the benefits of the HDFC Bank IndianOil Credit Card?

The HDFC Bank IndianOil Credit Card is designed for customers who frequently purchase petrol or diesel at IndianOil fuel stations. Cardholders can earn 5% Fuel Points on eligible purchases at IndianOil outlets, 5% Fuel Points on eligible grocery and bill payment transactions, and 1 Fuel Point for every ₹150 spent on other eligible purchases. The card also offers a 1% fuel surcharge waiver and complimentary IndianOil XTRAREWARDS membership, subject to applicable terms and conditions.

How can I apply for an HDFC Bank IndianOil Credit Card online?

You can apply for the HDFC Bank IndianOil Credit Card online through an authorised application channel. Visit the Sum New Victory website, explore the IndianOil HDFC Bank Credit Card details and proceed through the available application link. Enter your personal, contact and employment information accurately and complete the verification process. HDFC Bank may request additional documents or Video KYC before processing your application. Final approval depends on the bank's eligibility checks and credit assessment.

What is the minimum salary required for the HDFC Bank IndianOil Credit Card?

According to HDFC Bank's published eligibility information, salaried applicants generally need a gross monthly income above ₹12,000 to apply for the IndianOil HDFC Bank Credit Card. Self-employed applicants generally need an annual ITR above ₹6 lakh. Meeting the minimum income requirement does not guarantee approval, as HDFC Bank also considers the applicant's credit history, repayment capacity and other internal eligibility conditions.

What is the joining fee and annual renewal fee of the IndianOil HDFC Bank Credit Card?

The HDFC Bank IndianOil Credit Card carries a joining fee of ₹500 plus applicable taxes and an annual renewal fee of ₹500 plus applicable taxes. However, cardholders can qualify for a renewal fee waiver by spending ₹50,000 or more during the first year, subject to the bank's applicable terms and conditions. Applicants should check the latest fee structure before submitting their application.

How many Fuel Points can I earn on petrol purchases with the IndianOil HDFC Bank Credit Card?

Cardholders can earn 5% Fuel Points on eligible fuel transactions at IndianOil petrol pumps and outlets. The monthly earning limit is 250 Fuel Points during the first six months from card issuance and 150 Fuel Points per month thereafter. Fuel purchases at other petrol pump brands are not eligible for this accelerated 5% benefit. Actual rewards depend on eligible transaction processing and applicable terms.

Can I earn Fuel Points on grocery shopping and bill payments using the IndianOil HDFC Bank Credit Card?

Yes, the IndianOil HDFC Bank Credit Card offers 5% Fuel Points on eligible grocery purchases and bill payments. The maximum earning limit is 100 Fuel Points per month for grocery transactions and another 100 Fuel Points per month for eligible bill payments. Transactions must meet the bank's applicable minimum transaction requirements and recognised merchant category codes to qualify for accelerated rewards.

How can I redeem IndianOil HDFC Bank Credit Card Fuel Points for free petrol?

You can redeem eligible Fuel Points for fuel through the complimentary IndianOil XTRAREWARDS programme. Cardholders can convert their accumulated Fuel Points into IndianOil XTRAREWARDS Points (XRP) and use them at participating IndianOil fuel outlets. Under the published redemption value, 1 Fuel Point converts into 3 XRP, equivalent to ₹0.96 towards eligible fuel redemption. Redemption is subject to participating outlet availability and programme conditions.

Does the IndianOil HDFC Bank Credit Card offer a fuel surcharge waiver?

Yes, the HDFC Bank IndianOil Credit Card provides a 1% fuel surcharge waiver on eligible fuel transactions across fuel stations in India. The applicable transaction amount must be at least ₹400, and the maximum waiver is ₹250 per statement cycle. The waiver is subject to the bank's transaction eligibility criteria, applicable charges and terms and conditions.

What is the credit score required to get an HDFC Bank IndianOil Credit Card?

HDFC Bank does not publish a universal guaranteed credit score for approval of the IndianOil Credit Card. Applicants with a good credit history, timely repayment records and a healthy credit profile may have a better chance of approval. The bank also evaluates income, existing financial obligations, repayment capacity and internal risk assessment parameters. Even if you meet the basic eligibility requirements, final approval remains at HDFC Bank's discretion.

What documents are required to apply for the IndianOil HDFC Bank Credit Card?

To apply for the IndianOil HDFC Bank Credit Card, applicants may need to provide identity proof, address proof and income documents. Commonly accepted documents include PAN Card, Aadhaar Card, Passport, Voter ID, Driving Licence, recent salary slips, Form 16, bank statements and Income Tax Returns (ITR), depending on the applicant's employment category. HDFC Bank may request additional documents for verification during the application process.

Is the HDFC Bank IndianOil Credit Card worth getting for regular fuel expenses?

The HDFC Bank IndianOil Credit Card can be a useful option for customers who regularly purchase fuel at IndianOil petrol pumps and also spend on eligible groceries and bill payments. Its 5% Fuel Points benefit, 1% fuel surcharge waiver and complimentary XTRAREWARDS membership can help eligible cardholders save on everyday expenses. However, the monthly reward limits, ₹500 joining fee and ₹500 annual renewal fee should be considered before applying. It is particularly worth comparing if IndianOil is your preferred fuel station brand.