HDFC Bank IndianOil Credit Card

The HDFC IndianOil Credit Card is like a rewards program on wheels! It gives you free gas (up to 50 liters a year) and other discounts for using your card. Think of it as getting money back for everyday purchases, especially at IndianOil stations. Just remember to pay your bill on time to keep the savings rolling!

Top Benefits

Fuel Surcharge Waiver

  • Get 1% off on fuel surcharge for transactions over ₹400 at any fuel station in India.

Milestone Benefit

  • Spend ₹20,000 within 90 days to waive the first-year membership fee.

Annual Fee Waiver

  • Spend ₹50,000 or more in the first year to avoid renewal fees.

Smart EMI

  • Convert big purchases into monthly simple EMIs 3/36 months.

Contactless Payment

  • Make swift and secure payments at retail outlets with contactless technology.

Reward System

  • Redeem fuel points for free fuel, products, or cashback.

Zero Liability

  • Report a lost card immediately for zero liability on fraudulent transactions.

Complimentary Lounge Access

  • Enjoy up to 2 visits per quarter to domestic airport lounges in India with DragonPass.

Credit Card Minimum Limit

  1. Credit limit on HDFC IndianOil card is flexible: The amount you can spend on the card depends on your credit history (paying bills on time), income, and how long you’ve been an HDFC customer.
  2. Check for pre-approved offers: HDFC might already have a credit limit in mind for you! Look for “pre-approved offers” on their website or net banking (if you have it).
  3. Pre-approved offers save time: These offers are like invitations to get the card with a specific spending limit, so you don’t need to wait for approval.
  4. Head to HDFC Bank website: Visit their website to find the pre-approved offer section or try logging in to your net banking (if you have it).

Eligibility Criteria

ListDetails
Age21 to 60 years
NationalityIndian or NRI
Income12,000 or above
EmploymentSalaried or self-employed
Credit Score750 And Above

Documents

ListDetails
Identity ProofAadhar Card, Passport, Voter ID, Driving License, etc.
Address ProofAadhar Card, Passport, Utility Bills, Rental Agreement, etc.
Income ProofSalary Slips, Bank Statements, Income Tax Returns, etc.
PhotographsRecent passport size photo

How to Apply For The IndianOil HDFC Bank Credit Card

  1. Head over to HDFC Bank’s website. Think of it as their online storefront.
  2. Find the credit card section. Look for a menu or section about credit cards. They might even have a big button that says “Apply Now.”
  3. Look for the IndianOil Credit Card application. Once you’re in the credit card section, you should find an application form, possibly with different card options. Pick the one for the IndianOil card.
  4. Fill out the application completely and accurately. This includes your personal details, contact info (address and phone number), job details (including income), and some info about your bank account.
  5. Review the fine print. Before agreeing to anything, take a moment to read the terms and conditions. This explains the card’s benefits, fees, and any other important details.
  6. Submit your application and wait patiently. The bank will review your info to make sure you’re a good fit for the card. This can take some time, so be chill.
  7. Keep an eye on your emails and texts. HDFC Bank will reach out through email or SMS to let you know about your application status.
  8. Get ready to celebrate! If approved, you’ll get a confirmation and your new IndianOil Credit Card will be mailed to your address.
  9. Activate your card and start saving! Once you have your card, follow the instructions to activate it. Then, you can start using it to earn rewards on fuel purchases at any IndianOil outlet.

Charges

ListDetails
Annual chargesRs. 500
GSTyes
Interest Rates3.49% per month (41.88% per annum)
Cash Advance Fees2.5% or a minimum of Rs. 500
Late Payment ChargesRs. 100 – Rs. 700 depending on the total amount due
Overlimit Charges2.5% or a minimum of Rs. 500
Card Replacement FeesRs. 100
Rs. 150 for international delivery.
Foreign Currency Markup Fees3.5%

How to Redeem IndianOil Reward Points

  1. Visit IndianOil outlets or their website.
  2. Log in to your IndianOil XTRAREWARDS Program account.
  3. Browse through available redemption options. 1Indian Oil Xtrarewards Catalogue Website: Scribd Category: PDF
  4. Select your desired redemption option.
  5. Follow the instructions to complete the redemption process.
  6. Ensure your points are sufficient.
  7. Redeem within the points validity period.
  8. Enjoy the benefits of your redeemed rewards!
AspectDetails
AccumulationEarn fuel points through card transactions, with accelerated points at IndianOil outlets.
MembershipAvail complimentary IXRP membership for easy redemption.
Redemption OptionsRedeem for free fuel, catalogue products, or cashback.
Validityvalid for two years
Cost per PointFuel redemption: 1 point = 96 Paise; other options vary, up to 20 Paise.

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