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HDFC Bank

IndianOil HDFC Bank Credit Card

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

Source-traced to issuer Verified 2026-07-30

Fees & welcome

Joining fee

₹500 plus applicable taxes.

Verified · Common Credit Card MITC (English) - governs this card · 2026-07-30 · source

Annual / renewal fee

₹500 per annum plus applicable taxes.

Verified · Common Credit Card MITC (English) - governs this card · 2026-07-30 · source

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.

Verified · Common Credit Card MITC (English) - governs this card · 2026-07-30 · source

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.

Verified · Terms & Conditions / Rewards (Fuel Points) Program Terms · 2026-07-30 · source

Earn rates

  • 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.

Verified · Terms & Conditions / Rewards (Fuel Points) Program Terms · 2026-07-30 · source

Fees & charges

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.

Verified · Common Credit Card MITC (English) - governs this card · 2026-07-30 · source

Fuel

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.

Verified · IndianOil HDFC Bank Credit Card product page · 2026-07-30 · source

Rewards

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

Verified · Terms & Conditions / Rewards (Fuel Points) Program Terms · 2026-07-30 · source

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.

Verified · Terms & Conditions / Rewards (Fuel Points) Program Terms · 2026-07-30 · source

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.

Verified · Terms & Conditions / Rewards (Fuel Points) Program Terms · 2026-07-30 · source

Award example

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

Verified · Terms & Conditions / Rewards (Fuel Points) Program Terms · 2026-07-30 · source

Official terms

Official terms

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

Verified · IndianOil HDFC Bank Credit Card product page · 2026-07-30 · source

Official sources

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

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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