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HDFC IndianOil Credit Card

IndianOil HDFC Bank Credit Card is a highly beneficial credit card offered by HDFC Bank for those who travel frequently by their own vehicle. This card provides you up to 50 litres of free fuel annually on your everyday spends. With the HDFC Indian Oil credit card, get attractive fuel benefits at minimal joining and annual fee of just Rs. 500 plus applicable taxes. 

Key Highlights of IndianOil HDFC Credit Card

This Fuel Credit Card has many benefits you can enjoy:

  • Get reward points on every transaction and convert them as fuel points.
  • Complimentary membership of IndianOil XTRAREWARDSTM Program (IXRP).
  • Get up to 50 days of interest free period on your HDFC Bank Indian Oil credit card from the date of purchase.
  • Annual fee waiver on spending minimum Rs. 50,000 in the first year. 
  • Enjoy revolving credit on your HDFC IOCL credit card at nominal rate of interest.

Benefits of IndianOil HDFC Credit Card

Following are the HDFC IndianOil credit card benefits in detail:

Free Fuel 

  • Earn up to 50 litres of fuel for free annually as IOCL HDFC credit card benefits. 

Fuel Points

  • Earn 5% accelerated Fuel Points on spending at IndianOil outlets (maximum 250 Fuel Points per month in the first 6 months and 150 Fuel Points after 6 months of card issuance).
  • Earn 5% accelerated Fuel Points on spending on groceries & bill payments as Fuel Points (maximum 100 Fuel Points per month on each category).
  • Earn 1 Fuel Point on spending every Rs. 150 on all other categories
  • Accelerated 5% Fuel Points will be given only for fuel transactions done at IndianOil Retail Outlets.
  • Fuel transactions at all other fuel outlets will earn you 1 Fuel Point for spending every Rs. 150.
  • For Indian Oil HDFC credit card reward points redemption, 1 Fuel Point or FP = 96 Paise.
  • Earned Fuel Points are valid for 2 years.

Fuel Surcharge Waiver

  • Get 1% fuel surcharge waiver across all fuel stations in India as Indian Oil HDFC credit card benefits. 
  • The offer is valid on a minimum transaction value of Rs. 400. 
  • Maximum cashback of Rs. 250 is credited per statement cycle.

IndianOil XTRAREWARDSTM Program (IXRP) Membership

  • Get complimentary membership of IndianOil XTRAREWARDSTM Program (IXRP) with your Indian Oil HDFC credit card.

Annual Fee Waiver

  • Spend Rs. 50,000 or above in the first year and get your renewal membership fee entirely waived off.

Zero Lost Card Liability

  • If you lose your IOCL HDFC Credit Card unfortunately, report it immediately to the HDFC Bank’s 24-hour call centre. After you have reported the loss, you have zero liability on any fraudulent transactions done on your Credit Card.

SmartEMI

  • Convert your purchases done through HDFC Indian Oil card into 6 to 24 EMIs through Smart EMI facility of the bank at competitive interest rates.

Contactless Payment

The HDFC Visa IOCL credit card is enabled for contactless payments, ensuring fast, convenient and secure payments at all retail outlets. Payment through contactless mode is allowed for a maximum value of Rs. 5,000 for a single transaction. After that limit, you will be asked for the Credit Card PIN.

IndianOil HDFC Bank Credit Card Fees & Charges

  • Joining fee: Rs. 500 + applicable taxes.
  • Renewal membership fee: Rs. 500 + applicable taxes. Waived off on spending Rs. 50,000 or above in the first year.
  • Fee for Add-on card: Nil.
  • Processing fees for SmartEMI facility: Rs. 799 + GST. 
  • Charges on revolving credit: 3.49% per month (41.88% p.a.).
  • Cash advance charges: 2.5% of amount withdrawn or Rs. 500, whichever is higher.
  • Late payment charges: Up to Rs. 1,300.
  • Charges on overlimit account: 2.5% of the overlimit amount, minimum Rs. 500.
  • Payment return charges: 2%. 
  • Cash processing fee: Rs. 100. 
  • Rewards redemption fee: Rs. 99 per redemption request. 
  • Balance transfer processing fee: 1% of balance transfer amount or Rs. 250, whichever is higher.
  • Duplicate physical statement charges: Rs. 10 per duplicate physical statement.
  • Railway ticket purchase charges: 1% of the transaction amount + GST.
  • Reissuance of lost/stolen/damaged card: Rs. 100.
  • Outstation cheque processing charges: Rs. 25 to Rs. 50.
  • Foreign currency transactions: 3.5%
  • Goods and Services Tax (GST): GST will be charged wherever it is applicable.
  • TDS on withdrawals above Rs. 1 Crore: 2% on aggregate cash withdrawals exceeding Rs. 1 Crore.

IndianOil HDFC Bank Credit Card Eligibility

Following are the detailed eligibility criteria for HDFC Bank IOCL credit card:? 
Eligibility for Salaried:

  • The applicant should be an Indian national.
  • The minimum age of the applicant should be 21 years 
  • The maximum age of the applicant should not be above 60 years.
  • Net monthly income of the applicant should be at least Rs. 10,000.

Eligibility for Self-employed:

  • The applicant should be an Indian national.
  • The minimum age of the applicant should be 21 years
  • The maximum age of the applicant should not be above 65 years.
  • Annual income of the applicant should be at least Rs. 6 Lakhs per annum as per the latest ITR.

IndianOil HDFC Bank Credit Card Document Required

If you want to get HDFC IndianOil credit card apply online with the following documents:

  • Address Proof (any one of the following):
  • Identity Proof (any one of the following):
    • Passport
    • Aadhaar Card
    • Driving License
  • Income Proof: 
    • Salary Slips
    • Income Tax Returns
    • Form 16

How to Apply for an IndianOil HDFC Bank Credit Card?

You can apply for IndianOil HDFC Bank Credit Card online on our website by following the steps mentioned below:

  • Go to the Credit Cards page available on our website.
  • Choose ‘HDFC’ from the dropdown menu under the ‘Credit Cards’ section.
  • Click on the ‘Apply Now’ button.
  • Enter all the details required including your name, mobile number, email id, employment type, net monthly income, company name, etc.
  • Verify your mobile number with the OTP received by you.
  • You will receive a call from our representative soon to help you complete the credit card application process.

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