HDFC IndianOil Credit Card Review – Are you looking for a credit card that offers a range of benefits? The HDFC IndianOil Credit Card is the perfect choice for you. This card offers a host of benefits, including cashback, discounts, reward points, and more.
With this card, you can save money on fuel purchases, get exclusive offers, and enjoy a host of other benefits. With this card, you can enjoy a hassle-free and secure payment experience. So, if you’re looking for a credit card that offers a range of benefits, the HDFC IndianOil Credit Card is the perfect choice for you.
Table of Content
- Table of Content
- HDFC IndianOil Credit Card Highlights Points
- What Are The HDFC IndianOil Credit Card Offers And Benefits
- The Eligibility Criteria For HDFC IndianOil Credit Card
- How to Apply For HDFC IndianOil Credit Card
- The Charges and Fee For Indian Oil Credit Card
- Conclusion
- Frequently Asked Questions
- More HDFC Bank Popular Credit Cards
HDFC IndianOil Credit Card Highlights Points
| Feature/Benefit | Details |
|---|---|
| Welcome Benefits | Get benefits of 5% of your spending as Fuel Points at IndianOil Petrol Stations All over India |
| Fuel Spends Cashback | Up to 5% cashback on fuel spends at Indian Oil outlets. |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver on fuel transactions at a minimum of ₹400. |
| Rewards Program | Up to 1 Fuel reward point for every Rs. 150 spent on non-fuel retail purchases. |
| Redemption Options | Redeem reward points for fuel or non-fuel items at IndianOil outlets or for gift vouchers or merchandise through the rewards catalogue. |
| Zero Liability | Zero liability on lost or stolen cards. |
| Contactless Technology | Contactless payment technology for easy and secure transactions. |
| Other Features | Complimentary IndianOil XTRAREWARDSTM Program (IXRP) membership |
What Are The HDFC IndianOil Credit Card Offers And Benefits
The HDFC IndianOil Credit Card offers a range of features and benefits that make it a great choice for anyone looking for a credit card. it allows users to Earn up to 50 Litres of Free fuel annually. It offers a host of rewards and discounts that make it a great choice for those who are looking to save money.
The card offers a range of rewards and discounts that can be used to purchase fuel at any IndianOil outlet. moreover, you also get a Complimentary IndianOil XTRAREWARDSTM Program (IXRP) membership. The card also offers a 1% fuel surcharge waiver at all fuel stations across India on fuel purchases at other fuel outlets, including BPCL, HPCL, and IOCL. The card also offers a range of discounts on dining, shopping, and entertainment.
Apart from fuel purchases, it offers to Earn 5% of your spending as Fuel Points on Groceries and Bill Payments (Capped at 100 Fuel Points per month for each category). Moreover, it allows users to earn 1 Fuel Point for every ₹150 spent on all other purchases.
The Eligibility Criteria For HDFC IndianOil Credit Card
To be eligible for this HDFC IndianOil Credit Card, applicants must meet certain criteria –
| Eligibility Criteria | Details |
|---|---|
| Age | Primary cardholder must be between 21 to 60 years of age. |
| Nationality | Indian or Non-Resident Indian (NRI) |
| Income | Minimum monthly income of Rs. 12,000 or above. |
| Employment | Salaried or self-employed individuals with a stable source of income. |
| Credit Score | A good credit score with no defaults or late payments on previous credit card payments. |
| Existing Relationship with HDFC | Existing relationship with HDFC Bank, such as a savings or current account, may be preferred. |
In order to be approved for the IndianOil Credit Card, applicants must also meet certain income requirements. Generally, applicants must have a minimum annual income of Rs. 1.5 lakhs. However, this amount may vary depending on the applicant’s credit score and other factors.
How to Apply For HDFC IndianOil Credit Card
Applying for the HDFC Bank IndianOil Credit Card is easy and convenient that can be completed in just a few steps. With this card, you can enjoy a range of benefits, including exclusive rewards, discounts, and more on fuel purchases. Here’s how to apply for an HDFC Bank IndianOil Card:
- Step 1: Visit the HDFC Bank website and fill out the online application form.
- Step 2: Provide your personal and financial details such as your name, address, income, and bank account details.
- Step 3: Select the type of card you want to apply for – HDFC Bank IndianOil Credit Card.
- Step 4: Submit the application form and wait for the bank to process it.
- Step 5: Once your application is approved, you will receive your card in the mail.
Once you have received your card, you can start using it right away. You can use it to purchase fuel from any IndianOil outlet, and you will also be able to avail yourself of other benefits such as discounts, cashback, and reward points.
The Charges and Fee For Indian Oil Credit Card
| Charges/Fees | Details |
|---|---|
| Annual/Renewal Fee | Rs. 500 + GST (waived off if annual spends are more than Rs. 50,000) |
| Finance Charges | 3.49% per month (41.88% per annum) on revolving credit balances. |
| Cash Advance Fees | 2.5% or a minimum of Rs. 500 + GST of the transaction amount. |
| Late Payment Charges | Rs. 100 – Rs. 700 depending on the total amount due on the payment due date. |
| Overlimit Charges | 2.5% or a minimum of Rs. 500 + GST of the overlimit amount. |
| Card Replacement Fees | Rs. 100 + GST for domestic delivery and Rs. 150 + GST for international delivery. |
| Foreign Currency Markup Fees | 3.5% of the transaction amount for foreign currency transactions. |
Conclusion
The HDFC IndianOil Credit Card is a great way to enjoy the convenience of paying for fuel purchases with ease. It offers a range of benefits, including cashback rewards, discounts on fuel purchases, and the ability to pay bills online.
With HDFC IndianOil Credit, you can enjoy paying for fuel without having to worry about carrying cash. Plus, you can save money on fuel purchases and get rewarded for your loyalty. With all these benefits, it’s easy to see why the IndianOil Credit Card is a great choice for anyone looking to save money and make their fuel purchases more convenient.
Frequently Asked Questions
The HDFC IndianOil Credit Card offers a range of benefits and rewards to its customers. These include cashback on fuel purchases, reward points, and discounts on fuel purchases from IndianOil Petrol Stations in India.
The annual fee for the Indian Oil Credit Card is Rs. 499.
You can redeem your reward points for cash back, fuel discounts, and more. You can redeem your points through the HDFC Bank website or mobile app.
The fuel surcharge waiver on the Indian Oil Card is 1% on minimum fuel purchases of ₹400. (Capped at ₹250 per statement cycle)
More HDFC Bank Popular Credit Cards
| Credit Cards | Annual Fee | Benefits |
|---|---|---|
| HDFC Freedom Credit Card | ₹500 | Upto 10X CashPoints on your Preferred Stores such as Big Basket, BookMyShow, OYO, Swiggy & Uber |
| Paytm HDFC Bank Credit Card | ₹49/Monthly | 3% cashback on All types of Purchasing by using Paytm |
| HDFC Business Moneyback Credit Card | ₹500 | 5X Reward Points on Petrol & Fuel Purchasing |
| HDFC MoneyBack Credit Card | ₹499 | Earn 4 reward points on every online purchase of more than ₹150 you made |
| HDFC Regalia Credit Card | ₹2,500 | best suitable for individuals who want benefits on international traveling, Online Shopping from India or outside |
We hope you will like the HDFC IndianOil Credit Card review. do share on social media handles and with your friends and closest family members. if you have any queries related to credit cards, we love to hear and find solutions for you. comment down below or you can Mail us at [email protected]
