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IndianOil HDFC Bank Credit Card

Product Details
Credit Card Name : 

IndianOil HDFC Bank Credit Card

Bank Name :

HDFC Bank

Type :

Fuel Credit Card

Interest Rate : 

3.6% per month i.e. 43.2% annually.

Eligibility :

For Salaried Indian National:
Age: Min 21 years to Max 60 Years,
Net Monthly Income> Rs 10,000

For Self Employed Indian National:
Age: Min 21 years & Max 65 Years
Annual Income: ITR > Rs 6 Lakhs per annum

IndianOil HDFC Bank Credit Card
Pros

1. Customers can Earn up to 50 Litres of Free fuel annually. 

2. Customers Earn 5% of their spending as Fuel Points at IndianOil outlets. 

3. Customers can Earn 5% of their spending as Fuel Points on Groceries and Bill Payments. 

4. Complimentary IndianOil XTRAREWARDSTM Program (IXRP) membership 

5. Revolving Credit Facility available. 

6. Zero Lost card liability  

7. Fuel surcharge waiver available.  

8. Smart EMI option available.  

9. Credit Card is enabled for contactless payments, facilitating fast, convenient and secure payments at retail outlets.

Cons
  • Limited Features and Benefits. 

  • No Welcome offer provided to the new users.

Pros & Cons
Welcome Benefits

N/A 

Rewards System
  • Redeem Fuel Points through NetBanking towards catalogue products (where 1 FP = upto 20 paise) 

  • Redeem Fuel Points as CashBack on your IndianOil HDFC Bank Credit Card. (Cashback Redemption against Statement balance where 1 FP = 20 Paise.)

  • Effective Cashback Rate: 0.25% 

International Forex Markup

Bank Charges Cross currency mark-up of 3.5%

Welcome Benefits and Reward System
Special Features

Customers can earn  up to 50 Litres of Free fuel annually

Eligibility Criteria

For Salaried Indian National:
Age: Min 21 years to Max 60 Years,
Net Monthly Income> Rs 10,000

For Self Employed Indian National:
Age: Min 21 years & Max 65 Years
Annual Income: ITR > Rs 6 Lakhs per annum

Benefits
  • Up to 50 liters of free fuel annually: Earn 5% of your spends as Fuel Points at IndianOil outlets, Groceries and Bill Payments, which can be redeemed for free fuel.

  • Accelerated Fuel Points: Earn 5% Fuel Points on spends at IndianOil outlets, Groceries and Bill payments.

  • Smart Pay Benefits: Get 2% cashback on all Smart Pay payments with a max cap of Rs 200 and reversal of Rs. 10.

  • Milestone Benefits: Get Rs. 250 cashback when you spend Rs. 50,000 and Rs. 500 cashback when you spend Rs. 1 lakh in a year.


Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
  • Go to the HDFC Bank website. 

  • Click on the "Credit Cards" tab. 

  • Click on the "Apply for a Credit Card" button. 

  • Select the "IndianOil HDFC Bank Credit Card" from the list of cards. 

  • Enter your personal information, such as your name, address, and income. 

  • Enter your PAN number and credit score. 

  • Click on the "Submit" button. 

  • A HDFC Bank representative will contact you to verify your details and complete the application process.

Contact Details

1800 202 6161 or 1860 267 6161,
send an SMS to 730 8080 808,
or even use WhatsApp to send a message to 707 0022 222.

Account Opening and Procedure
Indianoil hdfc bank credit card

IndianOil HDFC Bank credit card is the best suited for individuals with high fuel spending. This card offers you accelerated 5% Fuel Points on spends at IndianOil outlets, utility bill payments, and grocery shopping. It provides you with multiple redemption options, including fuel purchases, shopping, and many more. With XTRAREWARDS Program (IXRP), you can get a reward rate of Rs 0.96 on your fuel spending, which is a really significant reward rate. Moreover, you can make this card absolutely free by getting the joining and renewal fee waived off on the basis of your spends.

Abhijeet Saxena

Abhijeet Saxena

Abhijeet Saxena

Nalsar University of Law

Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi

Ex - Khaitan & Co. Bengaluru,

Ex - National Stock Exchange, Mumbai,

Ex - Argus Partners, Mumbai

Product Review
Fees & Charges
  • Joining/ Renewal Membership Fee – Rs. 500/- + Applicable Taxes 

  • Cash advance fee: 2.5% or ₹ 500 whichever is higher.  

  • Interest Rates: 3.60% p.m. 43.20% p.a.  

  • Late Payment Charges: Less than ₹100 = Nil ₹100 to ₹500 = ₹100/- ₹501 to ₹5,000 = ₹500/- ₹5,001 to ₹10,000 = ₹600/- ₹10,001 to ₹25,000 = ₹800/- ₹25,001 to ₹50,000 = ₹1100/- More than ₹50,000 = ₹1300/- 

  • Foreign Currency Transactions Fees: 3.5%.   

  • Reward Redemption Fees: Rs. 99/-

Fuel Surcharge

1% fuel surcharge waiver at all fuel stations across India  ​​​​​​​(on minimum trasaction of ₹400. Max CashBack of ₹250 per statement cycle)

Billing Cycle

30 Days

Fees & Charges
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