HDFC

HDFC Indian Oil Credit Card

Apply for HDFC Indian Oil Credit Card. Earn 5% fuel points at IndianOil, 5% on groceries & bills & up to 50 litres of free fuel annually. Best for IndianOil users.

Fuel
Apply Now View More Cards
Issued by

HDFC

HDFC Indian Oil Credit Card image
Joining Fee₹500
Annual Fee₹500
Income₹20000
Credit Score720

Key Highlights

Get INR 250 Voucher Upon Card Activation and Completion

of at least one transaction within 37 days from card issuance date

Shopping Earn 5 Fuel Points on

up to a maximum of 100 points per month per category

Earn 5 Fuel Points on bill Payments Made

via POS or online up to a maximum of 100 points per month per category

Fuel

Earn 5% Fuel Points

at IndianOil outlets, max 100 Points per month

Get Complimentary Membership

in the IndianOil XTRAREWARDS Program

Eligibility

Age Criteria21-60
Credit Score720
Salaried Income₹3 LPA
Self-employed Income₹6 LPA
Employment TypeSelf Employed, Salaried
New to CreditEligible

Fees & Waivers

Joining Fee₹500
Joining Fee OffsetNot Applicable
Annual Fee₹500
Annual Fee WaiverNot Applicable
Estimated Annual Saving₹3384

Rewards & Redemption

Reward Conversion1 reward point = ₹0.96
Redemption Options
  • SmartBuy
Earning ExclusionsEMI transactions, Purchases converted to EMI post facto, Wallet loading transactions, Purchase of Jewelry items, Cash advances, Payment of outstanding balances, Payment of card fees and other card charges, Rental Payments, Government services, Insurance services, Education services, Utility Spends that are not done on Airtel Thanks platform
Spend ExclusionsEMI transactions, Purchases converted to EMI post facto, Wallet loading transactions, Purchase of Jewelry items, Cash advances, Payment of outstanding balances, Payment of card fees and other card charges, Rental Payments, Government services, Insurance services, Education services, Utility Spends that are not done on Airtel Thanks platform

Benefits

All Benefits

  • Earn 5% of spends as Fuel Points at IndianOil outlets
  • Earn up to 50 litres of free fuel annually
  • Earn 5% Fuel Points on groceries and bill payments (POS & online), capped at 100 Fuel Points per month per category
  • Earn 1 Fuel Point for every ₹150 spent on other purchases, including UPI transactions, with a cap of 250 Fuel Points per month in the first 6 months and 150 Fuel Points per month thereafter

Welcome Benefits

  • Complimentary IndianOil XTRAREWARDS Program (IXRP) membership
  • ₹250 voucher on card activation and completion of at least 1 transaction within 37 days from card issuance

Fuel Benefits

  • Earn 5% of spends as Fuel Points at IndianOil outlets
  • Earn up to 50 litres of free fuel annually
  • Earn 5% Fuel Points on groceries and bill payments (POS & online), capped at 100 Fuel Points per month per category
  • Earn 1 Fuel Point for every ₹150 spent on other purchases, including UPI transactions
  • On card swipes, maximum 250 Fuel Points per month in the first 6 months and 150 Fuel Points per month after 6 months from card issuance

Surcharge Waiver Benefits

  • 1% Fuel Surcharge Waiver applicable on fuel transactions between ₹400 and ₹5,000. Monthly Cap: ₹250 per statement cycle

Documents

PAN Card
Aadhaar Card or valid address proof
Latest salary slips or income proof
Recent bank statements

Terms

The bank may offer a different card variant based on your eligibility. Please carefully read the features of the card offered before submitting your application
A minimum transaction of Rs.100 within 30 days is required to activate the card, otherwise, you won’t be eligible for the Rewards

FAQ

Apply Now