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IndianOil HDFC Bank Credit Card

The IndianOil HDFC Bank card is a co-branded credit card by HDFC Bank and the Indian Oil Corporation. This credit card is specially curated for the people who use their own transport often to travel around the city. The card offers a wide range of features and benefits, especially in the fuel category along with others. The IndianOil HDFC Bank credit card comes with an annual fee of Rs.500 and a monthly interest rate of 3.49%.

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Key Highlights of the IndianOil HDFC Bank Credit Card

  1. Earn 5% of spends as Fuel Points (FP) on IndianOil Fuel outlets, Groceries, Bill payments & utilities.
  2. Earn 1 FP per Rs. 150 spent on other purchases.
  3. 1% of fuel surcharge waiver on all fuel transactions.
  4. Annual fee waiver if annual spends exceed Rs.50,000 in the previous year.
  5. The Fuel Points accumulated can be redeemed towards IndianOil XTRAREWARDS.
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Features and Benefits of IndianOil HDFC Bank Credit Card

Fuel Benefits

  1. Earn 5% of your fuel spends as Fuel Points.
  2. At any IndianOil petrol pump, get up to 250 Fuel Points each month for the first 6 months.
  3. Post 6 months get 150 Fuel Points in a month.
  4. 1% fuel surcharge will be waived on all transactions ranging between Rs.400 and above.

Fuel Point Benefits

  1. For every Rs.150 spent on the card for other purchases, get 1 Fuel Point.
  2. On bill payments and groceries, get 5% of your spends as Fuel Points.

Milestone Benefits

  1. The renewal fee of Rs.500 will be waived if your annual spends exceed Rs.50,000 in a year.

Other Benefits

  1. First-year fee waiver on spends of Rs.20,000.
  2. Get automatic PayZapp activation by making 1 transaction valued at a minimum of Rs.500 within the first 90 days of card issuance.
  3. If registered from SmartPay, the card will be available for you for free.
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IndianOil HDFC Bank Credit Card Limit

The credit limit for your IndianOil HDFC Bank card will be assigned at the discretion of the bank. HDFC Bank considers several factors before adding the credit limit to your credit card. Some of these factors are the credit score of the primary applicant, the credit report, the annual income, as well as, the repayment habits of past and ongoing debts.

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Redemption of Fuel Points

You will not be receiving any reward points with the transactions made with this card as the other credit cards offered by the bank. However, you will be receiving Fuel Points for each transaction made since it is co-branded by Indian Oil Corporation.

The Fuel Points which is given to you can be redeemed as CashBack on your card. You can also redeem the Fuel Points to purchase products from the HDFC Rewards Catalogue.

Apart from this, the Fuel Points can also be redeemed for free fuel using the complimentary membership given to you for the IndianOil XTRAREWARDS Program.

IndianOil HDFC Bank Credit Card Fees and Charges

Type of Charge

Amount

Annual fee

Rs.500 (Reversible if annual spends exceed Rs.50,000)

Joining fee

Rs.500

Minimum repayment amount

5% of the total outstanding amount subjected to a minimum of Rs.200

Cash advance limit

40% of the credit limit

Finance charges

3.49% per month

Interest-free credit period

Up to 50 days

Add-on card fee

Nil

Cash advance fee at HDFC Bank ATMs or other ATMs

2.5% of the transaction amount subject to a minimum of Rs.500

Cash advance fee at international ATMs

2.5% of the transaction amount subjected to a minimum of Rs.500.

Cheque fee

Cheque value of up to Rs.5,000 - Rs.25 Cheque value of more than Rs.5,000 - Rs.50

Late payment charges

  1. Less than equal to Rs.100 - Nil
  2. Rs.101 to Rs.500 - Rs.100
  3. Rs.501 to Rs.1,000 - Rs.500
  4. Rs.1,001 to Rs.5,000 - Rs.600
  5. Rs.5,001 to Rs.10,000 - Rs.750
  6. Rs.10,001 to Rs.25,000 - Rs.900
  7. Rs.25,001 to Rs.50,000 - Rs.1100
  8. More than Rs.50,000 Rs.1300

Payment return charges

2% of the payment amount subjected to a minimum of Rs.450.

Balance transfer processing charges

1% of the balance transfer amount or Rs.250. The higher amount will be taken.

Over-limit payment

2.5% of the over-limit amount subjected to a minimum of Rs.500.

Fuel surcharge

1% of the fuel purchase amount will be waived

Reissue of lost, stolen or damaged card

Rs.100

Cheque pickup fee

Nil

Rewards redemption fee

Rs.99

Foreign currency transaction

3.5%

Railway ticket fee

1% of the transaction amount + GST

Cash payment fee

Rs.100

Eligibility Criteria of the IndianOil HDFC Bank Card

When you click the 'Apply Now' option on the website of HDFC Bank, you will have to submit a few primary details. Once done, the bank will check if you are eligible for a credit card and will get in contact with you.

The ideal eligibility criteria for the credit card is:

  1. The primary applicant must be a citizen of India.
  2. The age of the applicant must be between 18 and 70 years old.
  3. The age of the add-on applicant must be above the age of 15 years.
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Documents Required to Apply for the IndianOil HDFC Bank Credit Card

You will need to submit several documents during the application procedure. Here are some of the documents which are required:

  1. Address Proof
    1. Ration Card
    2. Voter ID
    3. Passport
    4. Aadhaar card
  2. Proof of Identity
    1. Passport
    2. Driving License
    3. Aadhaar card
  3. Proof of Income
    1. Salary Slip
    2. IT Returns
    3. Form 16

The list of documents mentioned above is indicative. The bank may ask you to submit any other document during the application procedure or after depending on the requirement.

Other HDFC Bank Credit Cards
  1. HDFC Bank Regalia Credit Card
  2. HDFC Bank Solitaire Credit Card
  3. HDFC Bank Superia Credit Card
  4. HDFC Bank Titanium Edge Credit Card
  5. HDFC Business Regalia First Credit Card
  6. HDFC Bank Platinum Times Credit Card
  7. HDFC Bank Titanium Times Credit Card
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  21. 6E Rewards IndiGo HDFC Bank Credit Card
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  37. HDFC Bank Corporate Premium Credit Card
  38. HDFC SAP Concur Solutions Black Corporate Credit Card
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  44. HDFC Bank Purchase Credit Card
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  47. MakeMyTrip HDFC Bank ForexPlus Card
  48. HDFC Bank Regalia ForexPlus Card
  49. HDFC Bank Multicurrency Platinum ForexPlus Chip Card
  50. HDFC Bank ISIC Student ForexPlus Card

FAQs on IndianOil HDFC Bank Credit Card

  • Are there reward points on the IndianOil HDFC Bank credit card?

    No, there are no reward points like other credit cards issued by the bank. Since this is a fuel credit card, you will receive Fuel Points which can be redeemed.

  • What is the monthly interest rate on the credit card?

    HDFC Bank will charge you 3.49% per month as the interest rate. Annually, it calculates up to 41.88%.

  • What is the fuel surcharge waiver on the IndianOil HDFC Bank credit card?

    The 1% fuel surcharge will be waived off on all fuel transactions with the credit card. The minimum purchase amount must be Rs.400, however, there is no upper limit.

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