IndianOil HDFC Bank Credit Card

Fuel Benefits

• Earn 5% of your fuel spends as Fuel Points.
• At any IndianOil petrol pump, get up to 250 Fuel Points each month for the first 6 months.
• Post 6 months get 150 Fuel Points in a month.
• 1% fuel surcharge will be waived on all transactions ranging between Rs.400 and above, with the waiver capped at Rs.250 per statement cycle.
• The accelerated 5% Fuel Points on fuel spends apply only to non-UPI transactions at IndianOil retail outlets, while UPI transactions earn Fuel Points at the standard rate on other eligible spends. 

Fuel Point Benefits

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

Milestone Benefits

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

Other Benefits

• Spend Rs.50,000 or more in the first year to get a waiver on the renewal membership fee.
  
• The Rs.250 activation benefit is available on newly issued cards only, not on add-on cards, and is given as HDFC Bank Digital Rupee to customers with an active savings or current account with the bank, or as a gift voucher to other customers. 
• You can manage card controls such as online, contactless and international usage through NetBanking, the HDFC Bank MobileBanking app, MyCards, PayZapp, WhatsApp Banking or the bank's toll-free phone banking. 
• You can convert large purchases into EMIs after purchase with the Smart EMI option, and the card supports contactless payments, with transactions below Rs.5,000 not needing a PIN. 

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.

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 are 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.

Fuel Points convert into IndianOil XTRAREWARDS Points at 1 Fuel Point = 3 XTRAREWARDS Points, and each XTRAREWARDS Point is worth Rs.0.32 on free fuel redemption. Your XTRAREWARDS membership stays valid even after the card is closed or upgraded, but you can no longer convert Fuel Points once the card is closed or migrated.

IndianOil HDFC Bank Credit Card Fees and Charges

Note: Interest rates updated on 05 October 2026. 

For cards issued on or after 1 November 2020, HDFC Bank may cancel the card after prior written notice if it stays inactive and is not used for any transaction for six continuous months. 

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 are:

• The primary applicant must be a citizen of India.
• The age of the applicant must be between 21 and 60 years for salaried applicants and between 21 and 65 years for self-employed applicants.
  

Salaried applicants must have a gross monthly income above Rs.12,000, while self-employed applicants must have income tax return (ITR) income above Rs.6 lakh p.a.

You can apply for the IndianOil HDFC Bank Credit Card through the HDFC Bank website, through NetBanking if you are an existing HDFC Bank customer, or at an HDFC Bank branch. 

The online application has four steps: provide and validate your phone number and date of birth or PAN, confirm your details, select your card, and submit the application to receive your card.

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

Address Proof

• Passport 
• Aadhaar card
• Utility bills (electricity, water, gas) 
• Rental agreement 
• Bank statement 

Proof of Identity 

• Passport 
• Driving License 
• Aadhaar card 
• Voter ID 
• PAN card
• Passport size photographs 

Proof of Income 

• Salary Slip 
• IT Returns 
• Form 16 
• Bank statements 

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.

In certain cases, you may also need to upload documents and complete a video KYC before the card is issued. 

Summary

The IndianOil HDFC Bank Credit Card is a co-branded fuel card from HDFC Bank and Indian Oil Corporation that rewards fuel, grocery, bill-payment and other spends with Fuel Points. Its key benefits are free fuel through the IndianOil XTRAREWARDS Program, a fuel surcharge waiver and a renewal fee waiver on meeting the annual spend threshold. Check the eligibility criteria and documents above, then use the Apply Now option to apply for the IndianOil HDFC Bank Credit Card through BankBazaar. 

Credit cards make payments easy for all expenses online and offline while offering various benefits

Find a Card >>