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IndianOil HDFC Credit Card Features and Benefits

The IndianOil HDFC Bank Credit Card is a fuel credit card issued by the bank in partnership with Indian Oil Corporation Limited. Other than fuel advantages, this card comes with an array of additional features and benefits, which are as mentioned below:

UPI

You can easily link your HDFC IndianOil Credit Card to a UPI application of your choice and make payments from your mobile phone.

Spend-Based Waiver

Get a renewal fee waiver on annual spends of Rs 50,000 or above in the previous year.

Fuel Surcharge Waiver

A 1% fuel surcharge is waived on all fuel transactions exceeding Rs. 400 at all fuel stations across India. You can get a maximum cashback of Rs 250/- per statement cycle.

IndianOil HDFC Bank Credit Card Reward Points

• The card earns you Reward Points as Fuel Points.
• You get up to 5% of your purchases as Fuel Points at IndianOil outlets, groceries, and bill payments (In the first 6 months, you can get a maximum of 250 Fuel Points per month and a maximum of 150 Fuel Points post 6 months from card issuance).
• Cardholders shall also earn 5% Fuel Points on grocery and utility bill payments. This is capped at 100 Fuel Points in each category.
• You get 1 Fuel Point on every Rs. 150/- spent on all other purchases.
• The fuel points last over a period of 2 years and expires thereafter.
• No Fuel Points shall be earned for wallet reloading, government transactions, EMI transactions, rental payments and gold purchases.

Reward Redemption

You can use the Reward Points accumulated against a host of redemption options under the IndianOil XTRAREWARDS Program (rate of redemption as per the table below)-

Redemption against cashback and travel categories is capped at 50,000 Fuel Points per month.

IndianOil HDFC Bank Credit Card Eligibility Criteria

Credit card applicants have to meet the below-mentioned eligibility criteria in order to apply for the IndianOil HDFC Bank Credit Card:

How to Apply for IndianOil HDFC Bank Credit Card?

To apply through offline mode, you have to visit the nearest bank branch, fill in the application form present in the branch, and attach the required documents. To apply online, you can follow the below-mentioned steps:

• Click on “Apply Now”
• Fill in your details such as name, PAN Card, etc.
• Submit your application.
• Wait for the approval of your application.

IndianOil HDFC Bank RuPay Credit Card

IndianOil HDFC Bank credit card is the best suited for individuals with high fuel spending. This card offers you accelerated 5% Fuel Points on spends at IndianOil outlets, utility bill payments, and grocery shopping. It provides you with multiple redemption options, including fuel purchases, shopping, and many more. With  XTRAREWARDS Program (IXRP), you can get a reward rate of Rs 0.96 on your fuel spending, which is a really significant reward rate. Moreover, you can make this card absolutely free by getting the joining and renewal fee waived by spending Rs. 50,000 in a card anniversary year. What do you think about this credit card? Do let us know your comments.