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IndianOil HDFC Bank Credit Card

HDFC Bank

IndianOil HDFC Bank Credit Card — card image from the issuer's official page

Annual / renewal fee

₹500 per annum plus applicable taxes.

VerifiedCommon Credit Card MITC (English) - governs this card30 Jul 2026, 5:15 PM ISTHDFC Bank

Earn rate

  • 5% Fuel Points on spends at IOCL fuel pumps & outlets (via card swipe on IOCL authorised POS, non-UPI).
  • 5% Fuel Points on Groceries and Bill Payments (Utility & Telecom).
  • 1 Fuel Point for every ₹150 spent on other categories (including UPI transactions). 1 Fuel Point = 1 Reward Point.

VerifiedTerms & Conditions / Rewards (Fuel Points) Program Terms30 Jul 2026, 5:15 PM ISTHDFC Bank

View on official site →

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You'll land on the issuer's official application portal at hdfc.bank.in — if a different card is shown first, use its card selector to pick this one.

Source-traced to issuer Verified 2026-07-30
View on official site →

This is the issuer's own page for this card. We earn nothing from this link.

You'll land on the issuer's official application portal at hdfc.bank.in — if a different card is shown first, use its card selector to pick this one.

Overview

IndianOil HDFC Bank Credit Card by HDFC Bank. Facts on this page are extracted and verified automatically from official issuer documents.

Fees

Joining fee

₹500 plus applicable taxes.

VerifiedCommon Credit Card MITC (English) - governs this card30 Jul 2026, 5:15 PM ISTHDFC Bank

Annual / renewal fee

₹500 per annum plus applicable taxes.

VerifiedCommon Credit Card MITC (English) - governs this card30 Jul 2026, 5:15 PM ISTHDFC Bank

Fee waiver

  • Annual membership fee / renewal charges waived on minimum spend of ₹50,000 per annum (excludes Cash on Call, Balance Transfer, Cash Withdrawal).
  • Joining fee waived on spending ₹20,000 in first 90 days.

VerifiedCommon Credit Card MITC (English) - governs this card30 Jul 2026, 5:15 PM ISTHDFC Bank

Rewards

  • 5% Fuel Points on spends at IOCL fuel pumps & outlets (via card swipe on IOCL authorised POS, non-UPI).
  • 5% Fuel Points on Groceries and Bill Payments (Utility & Telecom).
  • 1 Fuel Point for every ₹150 spent on other categories (including UPI transactions). 1 Fuel Point = 1 Reward Point.

VerifiedTerms & Conditions / Rewards (Fuel Points) Program Terms30 Jul 2026, 5:15 PM IST

Award example

Free fuel redemption example: redeeming 500 fuel points gives free fuel equivalent to ₹480.

VerifiedTerms & Conditions / Rewards (Fuel Points) Program Terms30 Jul 2026, 5:15 PM ISTHDFC Bank

Redemption value

  • Redemption for free fuel at IOCL: 1 Fuel Point = 3 XTRAREWARD points (XRP).
  • 1 XRP = ₹0.32.
  • 1 FP = ₹0.96 (min 500 Fuel Points, in multiples of 500).
  • Redeem as CashBack against statement balance: 1 Fuel Point = ₹0.2 (min 12,500 Fuel Points; ₹50 redemption fee w.e.f 1 Aug 2024).
  • Product Catalogue: up to ₹0.2.
  • Airmiles: ₹0.25.
  • Unified SmartBuy (Flights & Hotels): ₹0.2.
  • Reward catalogue redemption incurs ₹99 + Taxes handling charge.
  • Validity of Reward points: 2 years from accumulation.

VerifiedTerms & Conditions / Rewards (Fuel Points) Program Terms30 Jul 2026, 5:15 PM ISTHDFC Bank

Reward cap

  • IOCL fuel pumps & outlets: Max 250 Fuel Points per month in first 6 months, Max 150 Fuel Points per month post 6 months from card issuance.
  • Groceries & Bill Payments: Max 100 Fuel Points per month on each category (min transaction ₹150 on each category).
  • Fair Usage Policy: maximum reward points in a statement cycle is 25,000.

VerifiedTerms & Conditions / Rewards (Fuel Points) Program Terms30 Jul 2026, 5:15 PM ISTHDFC Bank

Reward exclusion

WalletRentGovernment related transactionsSupermarketsTAXEMI (all type)Vending Machine - Miscellaneous foodsPackage Stores/beer/wine/liquorBakeriesCash advances/Purchase of travellers' chequesInsuranceand any other categories decided from time to time. Also excluded from 1 FP per ₹150: FuelRentGovernment transactionsEMIWallet and Jewellery

VerifiedTerms & Conditions / Rewards (Fuel Points) Program Terms30 Jul 2026, 5:15 PM ISTHDFC Bank

Travel & lounge

Lounge access

Confirm on the official page

Official source not yet captured

Dining, golf, concierge, insurance, milestones & welcome

Welcome benefit

  • Complimentary IndianOil XTRAREWARDS Program (IXRP) membership.
  • The mobile number registered with HDFC Bank will be used to create the IOCL XRP membership.
  • IOCL follows a One Mobile Number - One Loyalty ID policy.
  • If registered mobile number changes, a new loyalty ID is generated and points accrued under previous loyalty ID will lapse.

VerifiedTerms & Conditions / Rewards (Fuel Points) Program Terms30 Jul 2026, 5:15 PM ISTHDFC Bank

Eligibility

Not published in the official documents on file — see the official T&C link below.

Charges & interest

Forex markup

Foreign Currency Transactions: 3.50% of transaction value (currency conversion rate as on settlement date applicable).

VerifiedCommon Credit Card MITC (English) - governs this card30 Jul 2026, 5:15 PM ISTHDFC Bank

Fuel surcharge waiver

  • Earn up to 50 Litres of Free Fuel annually via fuel points redeemed at IndianOil outlets.
  • Accelerated 5% Fuel Points given only for non-UPI transactions at IndianOil Retail Outlets.

VerifiedIndianOil HDFC Bank Credit Card product page30 Jul 2026, 5:15 PM ISTHDFC Bank

Interest-free period

  • Interest free (grace) period could range from 20 to 50 days, subject to the scheme applicable and submission of claims by the merchant.
  • Not applicable if previous month's balance not cleared in full or if cash availed from ATM.

VerifiedCommon Credit Card MITC (English) - governs this card30 Jul 2026, 5:15 PM ISTHDFC Bank

Transfers

Not published in the official documents on file — see the official T&C link below.

Common questions

What is the annual fee on the IndianOil HDFC Bank Credit Card?

Officially traced: Rs. 500 per annum plus applicable taxes.

Common Credit Card MITC (English) - governs this card

What is the joining fee on the IndianOil HDFC Bank Credit Card?

Officially traced: Rs. 500 plus applicable taxes.

Common Credit Card MITC (English) - governs this card

Is the IndianOil HDFC Bank Credit Card annual fee ever waived?

Annual membership fee / renewal charges waived on minimum spend of Rs. 50,000 per annum (excludes Cash on Call, Balance Transfer, Cash Withdrawal).

Common Credit Card MITC (English) - governs this card

How does the IndianOil HDFC Bank Credit Card earn rewards?

5% Fuel Points on spends at IOCL fuel pumps & outlets (via card swipe on IOCL authorised POS, non-UPI).

Terms & Conditions / Rewards (Fuel Points) Program Terms

What welcome benefit does the IndianOil HDFC Bank Credit Card offer?

Complimentary IndianOil XTRAREWARDS Program (IXRP) membership.

Terms & Conditions / Rewards (Fuel Points) Program Terms

What are the transfer ratios for IndianOil HDFC Bank Credit Card points?

Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.

Other verified details

Not published in the official documents on file — see the official T&C link below.

Official documents & verification

Official issuer pageCommon Credit Card MITC (English) - governs this cardTerms & Conditions / Rewards (Fuel Points) Program Terms

Official terms

https://www.hdfc.bank.in/credit-cards/indianoil-hdfc-bank-credit-card.

VerifiedIndianOil HDFC Bank Credit Card product page30 Jul 2026, 5:15 PM ISTHDFC Bank

Verified 2026-07-30 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.

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