What is the IndianOil HDFC Bank Credit Card primarily designed for?

The IndianOil HDFC Bank Credit Card is designed for individuals who have significant fuel spending, especially at IndianOil outlets, offering Fuel Points on such transactions.

What are the joining and renewal fees for the IndianOil HDFC Bank Credit Card?

The joining fee and renewal fee for the IndianOil HDFC Bank Credit Card are both ₹500 plus applicable taxes.

How can I get a fee waiver for my IndianOil HDFC Bank Credit Card?

You can waive the joining fee by spending ₹20,000 within 90 days, and the renewal fee by spending ₹50,000 in the preceding year.

What type of rewards does the IndianOil HDFC Bank Credit Card offer?

The IndianOil HDFC Bank Credit Card primarily offers Fuel Points, which can be redeemed for free fuel or other options.

How do I earn Fuel Points with the IndianOil HDFC Bank Credit Card?

You earn 5% Fuel Points on IndianOil spends, groceries, and bill payments, and 1 Fuel Point for every ₹150 on other spends with the IndianOil HDFC Bank Credit Card.

What is the value of Fuel Points when redeemed for free fuel?

When redeemed for free fuel through the IXRP program, 1 Fuel Point from your IndianOil HDFC Bank Credit Card is equivalent to ₹0.96.

Is the IndianOil HDFC Bank Credit Card compatible with UPI payments?

Yes, the IndianOil HDFC Bank Credit Card is on the RuPay network, allowing it to be conveniently linked to UPI applications for mobile payments.

What is the foreign currency markup on the IndianOil HDFC Bank Credit Card?

The IndianOil HDFC Bank Credit Card applies a 3.5% foreign currency markup on all international and cross-currency transactions.

Does the IndianOil HDFC Bank Credit Card offer a fuel surcharge waiver?

Yes, cardholders get a 1% fuel surcharge waiver (max ₹250 per cycle) on transactions of ₹400 or more at all fuel stations with the IndianOil HDFC Bank Credit Card.

What are the eligibility criteria for applying for the IndianOil HDFC Bank Credit Card?

Salaried individuals need a minimum monthly income of ₹12,000 (age 21-60), while self-employed need an annual ITR over ₹6 Lakhs (age 21-65).

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IndianOil HDFC Bank Credit Card

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Last updated: 27 October 2025

Benefits & Features

Explore key benefits designed to maximize your lifestyle

Welcome Offer

Complimentary IndianOil XTRAREWARDS Program (IXRP) membership on joining.

Rewards Rate

Earn 5% Fuel Points on IndianOil spends, groceries & bill payments; 1 FP for every ₹150 on other spends.

Reward Type

Fuel Points

Reward Redemption

Redeem Fuel Points for free fuel via IXRP (1 FP = ₹0.96) or as cashback/catalogue products (1 FP = ₹0.20).

Domestic Lounge Access

Not Applicable

International Lounge Access

Not Applicable

Premium Benefits

Not Applicable

Insurance Coverage

Zero Lost Card Liability protection against fraudulent transactions upon reporting card loss.

Movie

Not Applicable

Dining

Not Applicable

Travel Benefits

Not Applicable

What matters, explained clearly

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Frequently Asked Questions

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