IndianOil HDFC Bank Credit Card

Rewards, as stated by the issuer

• Accelerated 5% Fuel Points on spends at IndianOil outlets, Groceries and Bill payments. (Accelerated 5% Fuel Points benefit will be given only for fuel transactions on IndianOil Retail Outlets
• Redeem Fuel Points as CashBack on your IndianOil HDFC Bank Credit Card. (CashBack Redemption against Statement balance where 1 FP = 20 Paise
• Redemption of Reward Points to CashBack and Travel categories will be capped at 50,000 points per month per customer
• Accrual of Reward Points on Grocery Spends will be capped at 1000 points per month per customer
• There will be no Reward Points accrual on Spends made on Rental and Government category payments
• Points plus Pay - A maximum of 70% can be paid using Reward Points and the other 30% to be made by payment modes (Cash/Cards/UPI etc
• Cash Value of Points on Redemption (1 FP = 3 XRP = Rs. 0.96):
• *1 FP = Rs. 0.96 for fuel transactions at IOCL fuel pumps

Other benefits

• Earn Fuel Points on retail spends with the IndianOil HDFC Bank Credit Card*
• Fuel-Point Benefits
• Earn 5% Fuel Points on Groceries & Bill Payments (POS & online; max 100 points/month per category*
• Earn 1 Fuel Point for every ₹150 spent on other purchases, including UPI transactions
• Applicable on card swipes, Max 250 Fuel Points per month in first 6 months, Max 150 Fuel Points post 6 months from card issuance*
• Payment Benefits
• Link your IndianOil HDFC Bank Credit Card on PayZapp
• Earn Additional CashBack along with the card CashPoints on Utility Bills, Mobile Recharges and more
• Get ₹1,000 CashBack on Shopping in-app over 200plus brands
• Securely pay without the hassle of OTPs with ‘Swipe to Pay’
• Get up to 50 days of interest free Credit from the date of purchase (subject to submission of the charge by the Merchant
• Spend ₹50,000 or above in the first year and get a waiver on the renewal membership fee
• 1% Fuel Surcharge waiver at all Indian fuel stations (min ₹400/transaction, max ₹250/cycle
• Zero Cost Card Liability: Available on any fraudulent transactions made on your Credit Card if reported immediately to HDFC Bank’s 24-hour Call Centre
• Revolving Credit: Available at a nominal interest rate. (Check Fees and Charges section for more details
• Interest-free Credit Period: Get up to 50 days of interest free Credit from the date of purchase. (subject to submission of the charge by the Merchant
• Smart EMI: Option to convert big spends into EMI after purchase available on IndianOil HDFC Bank Credit Card
• Contactless Payment: IndianOil HDFC Bank Credit Card is enabled* for Contactless Payments at retail outlets

Welcome & milestones

Lounge access

No airport lounge rule is listed on this card's page.

Eligibility

Every fee line found on the page

• Spend ₹50,000 or above in the first year and get a waiver on the renewal membership fee
• 1% Fuel Surcharge waiver at all Indian fuel stations (min ₹400/transaction, max ₹250/cycle)
• Annual Income: ITR > ₹6 lakh per annum
• Save up to ₹10,000* annually just like 22 lakh+ HDFC Bank Credit Card Holders
• Joining/Renewal Membership Fee – ₹500/- plus Applicable Taxes
• ​​​​​​​3.5% Mark-Up fee will be applicable on all International / Cross currency transaction
• The HDFC Bank Indian Oil Credit Card has a Joining Fee of ₹500, along with an annual fee of ₹500. Find the annual fee and joining fees here. . Some cards may have no joining fees, with waivers based on specific criteria.
• Fuel Credit Cards, like the Indian Oil Credit Card, offer fuel surcharge waivers, reward points on fuel spends, and free fuel accumulation for savings on fuel and utility bills.
• 1% fuel surcharge off