Reward Type

Fuel Points.

Key Features

Earn up to 50 Litres of Free fuel annually.
Earn 5% of your spends as Fuel Points at IndianOil outlets (Applicable on card swipes, Max 250 Fuel Points per month in first 6 months, Max 150 Fuel Points post 6 months from card issuance).
Earn 5% of your spends as Fuel Points on Groceries and Bill Payments (applicable on POS and Ecomm transactions) (Max 100 Fuel Points per month on each category).
Earn 1 Fuel Point for every ₹150 spent on all other purchases (including UPI transactions).

Additional Features

Complimentary IndianOil XTRAREWARDSTM Program (IXRP) membership.
Revolving Credit : Enjoy Revolving Credit on your IndianOil HDFC Bank Credit Card at nominal interest rate. Please refer to the Fees and Charges section.
Zero Lost card liability : In the unfortunate event of you losing your IndianOil HDFC Bank Credit Card, report it immediately to our 24-hour call centre. After reporting the loss, you have zero liability on any fraudulent transactions made on your Credit Card.
Interest Free Credit Period : Up to 50 days of interest free period on your IndianOil HDFC Bank Credit Card from the date of purchase (subject to the submission of the charge by the Merchant).

Fuel Surcharge Waiver

1% fuel surcharge waiver exclusively at IOCL fuel stations across India effective 15th June 2024, (on minimum trasaction of ₹400. Max CashBack of ₹250 per statement cycle).

Renewal Offer

Spend ₹50,000 and above in the first year and get a waiver on the renewal membership fee .

Smart EMI

IndianOil HDFC Bank Credit Card comes with an option to convert your big spends into EMI after purchase.

Contactless Payment

The IndianOil HDFC Bank Credit Card is enabled for contactless payments, facilitating fast, convenient and secure payments at retail outlets.
To see if your credit card is contactless, look for the contactless network symbol on your card.

(Please note that in India, payment through contactless mode is allowed for a maximum of ₹5000 for a single transaction where you are not asked to input your Credit Card PIN. However, if the amount is higher than or equal to ₹5000, the Card holder has to enter the Credit Card PIN for security reasons)

Reward Point/CashBack Redemption & Validity

Fuel Points Accrual :

Fuel Point is an exclusive Rewards metric system created only for IndianOil HDFC Bank Credit Card holders.
Earn Fuel Points on retail spends with the IndianOil HDFC Bank Credit Card.
Earn accelerated 5% Fuel Points on spends at IndianOil outlets, Groceries and Bill payments.

Fuel Point Redemption :

Redeem Fuel Points for Free Fuel using the complimentary IndianOil XTRAREWARDSTM Program (IXRP) membership. Redemption at participating IndianOil Petrol Outlet by converting Fuel Points into XRP (where 1 FP = 96 Paise).
Redeem Fuel Points through NetBanking towards catalogue products (where 1 FP = upto 20 paise).
Redeem Fuel Points as CashBack on your IndianOil HDFC Bank Credit Card. (Cashback Redemption against Statement balance where 1 FP = 20 Paise).

Cost per Point (in Rs.) Product Catalogue	Cash back	IOCL Fuel Points (in Rs.)
Upto 0.20	0.20	1 Fuel Point = 3 XtraRewards Point (XRP) 1 XRP = 0.32 1 Fuel Point = 0.96

Fuel Points Validity:

Reward Points Accrual:

The redemption against the train ticket booking at the rate of 1 Reward Point = INR 1 on HDFC Bank SmartBuy Reward Points will lapse on expiry of two years from the date of issuance.
Redemption can be made only against 70% of fare ticket amount on train ticket booking via HDFC Bank SmartBuy, inclusive of fares of all the passengers and service charges levied by IRCTC.
Reward Points can be used only for redemption against I train ticket booking via HDFC Bank SmartBuy.
A minimum of 100 Points are needed to be redeem rewards

IRCTC Executive Lounge Benefits

8 complimentary access to select IRCTC Executive Lounges every year (2 per quarter). To

Renewal & Annual Fee Waiver

Spend INR 1,50,000 or more in an anniversary year, before your Credit Card renewal date and get your renewal fee waived off.

Credit Card on UPI

The IRCTC HDFC Bank Credit card is enabled for linking UPI. Currently, you can link your IRCTC HDFC Bank Credit Card in select UPI apps only. (PayZapp/ GPay/ PhonePe/ Mobikwik/ PayTM/ BHIM/ Slice).
Maximum of 500 reward points can be earned in a calendar month on UPI spends through IRCTC HDFC Bank Credit Card.

Eligibility Criteria To Apply for Credit Card

For Salaried Indian national

Age: Min 21 yrs & Max 60 Yrs.
Income: Gross Monthly Income> ₹25,000.

For Self Employed Indian national

Age: Min 21 yrs & Max 65 Yrs.
Income: ITR > ₹6.0 Lakhs per annum

Fees & Charges

Joining/Renewal Membership Fee – Rs. 500/- + Applicable Taxes.
Spend Rs. 1,50,000 or more in a year, before your Credit Card renewal date and get your renewal fee waived off .

Apply Now

Indian Oil HDFC Bank Credit Card