HDFC IndianOil Credit Card: Benefits & Apply

Summary

HDFC IndianOil Credit Card is a wonderful choice for those who frequently purchase fuel and would like rewards on their everyday spending. To help fulfill the aim of providing superior savings, the card offers 5% cash back on fuel spent at IndianOil fuel stations and enables card members to earn fuel points that can be utilized to receive free fuel. You get a maximum of 50 liters of complimentary fuel annually, so it’s an ideal choice for motorists who frequently spend a fortune at fuel pumps.

In addition to the fuel-based rewards, the card also offers 2 fuel points for every ₹150 spent on other kinds of transactions such as grocery, dining, and bill payments, offering a chance for card members to earn rewards on their routine spends. The new card members are also given a welcome gift of ₹250 worth of fuel after spending ₹500 within the first 30 days.

The card comes with a yearly fee of ₹500, but this is waived if you spend more than ₹50,000 in a year, so it is an inexpensive choice for heavy users. It also comes with EMI options for big purchases and contactless payments for quicker transactions.

Introduction

HDFC IndianOil Credit Card is ideal for individuals who frequently fuel their cars or pay bills for regular expenses such as groceries. The Credit card is ideal for customers looking for rewards, cashback, and discounts, mainly on fuel transactions at IndianOil fuel stations. With all its advantages, this card can help you save fuel expenses as well as reward you with beneficial points on other daily spends.

One of the best things about HDFC IndianOil Credit Card is its fuel reward. Cardholders receive a cashback of up to 5% on fuel transactions, which makes it an ideal companion for frequent drivers who end up spending a lot on refilling their gas tanks. Another benefit of the card is its fuel surcharge waiver, which can translate into substantial savings.

There are other benefits including easy EMI for bigger bills, contactless payments for a quicker transaction, and a welcome benefit to get your journey going on free fuel points when you initially make a purchase. Besides, the yearly fee on the card can also be waived if you make more than enough money worth of purchases in a year, which brings it down further to the absolute minimum.

Applying for an HDFC IndianOil Credit Card is easy. You may apply online or at a branch, and once you are eligible, you’ll be able to enjoy the various benefits of the card soon. It’s an intelligent decision if you want to save on your fuel expenses and earn rewards for your frequent expenditures.

What is the HDFC IndianOil Credit Card?

The HDFC IndianOil Credit Card is a high-end credit card for people who frequently buy petrol or dairy products like groceries. The card provides discounts, cashback, and rewards to you, especially on fuel purchases at IndianOil petrol pumps. While refueling with the card, you can earn cashback and discounts on fuel surcharges.

You also receive rewards on your other spending such as shopping or bill payments. It’s also an excellent money-saving option to perform daily tasks. Additionally, it provides benefits such as effortless EMI transactions, contactless payment, and a welcome treat of free fuel points when using the card for the first time.

How is the design of the HDFC IndianOil Credit Card?

The HDFC IndianOil Credit Card is designed in a simple and contemporary style that appears stylish and user-friendly. The card has the IndianOil logo and the HDFC Bank logo, which makes it evident that it’s a joint venture between the two companies. The color scheme of the card is blue, red, and silver, which makes it look sleek and professional.

The card is plastic and features a chip for security when you pay. It’s also equipped with contactless payment technology, allowing you to easily make payments in a flash simply by tapping at the payment point. All in all, the card looks well and is constructed to be useful as well as visually appealing.

What are the benefits of the HDFC IndianOil Credit Card?

Here’s a point-by-point elaboration of rewards you can claim:

1. Fuel Rewards:

• 5% cashback on fuel purchases as fuel points from IndianOil pumps.

• You earn up to 50 liters of free fuel every year with your fuel points.

2. Fuel Surcharge Waiver:

• You get a waiver of 1% on the fuel surcharges for transactions up to ₹400 to ₹5,000 made at IndianOil pumps.

3. Reward Points for Other Purchases:

• Earn 2 fuel points for every ₹150 spent on normal transactions, including shopping, dining, and bill payments.

4. Welcome Bonus:

• Avail ₹250 worth of fuel as a welcome bonus when you spend ₹500 in the initial 30 days of acquiring the card.

5. Annual Fee Waiver:

• If you spend ₹50,000 or more during a year, your annual fee of ₹500 is waived.

6. EMI and Contactless Payments:

• Transform big purchases into simple EMI solutions and make quick payments with contactless technology.

What are the fees for the HDFC IndianOil Credit Card?

Here is a simple HDFC IndianOil Credit Card fee breakup.

Joining Fee	₹499 + GST (one-time fee when you get the card).
Annual Fee	₹499 = GST per year. This will be waived if you spend 50,000 or more in a year.
Add-on Card Fee	There are no charges for additional cards for family members.
Finance Charges	3.5% per month (42% annually) on the outstanding balance if you don’t pay your bill in full.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – NilRs. 101 – Rs. 500 – Rs. 150Rs. 501 – Rs. 5,000 – Rs. 500Rs. 5,001 – Rs. 20,000 – Rs. 750Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting an HDFC IndianOil Credit Card?

The following are the primary requirements:

1. To apply for the HDFC IndianOil Credit Card, you must be between 18 and 70 years old.

2. The income requirement differs according to your employment status:

• Self-Employed Professionals: A minimum Annual income of Rs 2 lakhs usually does the job.

3. A secured income ensures regular timely payments on the credit card bill. Any amount above it ensures that it increases the approval probability.

4. Your credit score plays a role in the selection process. It is a tendency for HDFC Bank to favor borrowers with a better credit score usually above 750. 

5. You must be an Indian resident and have valid address proof within the country. 

6. A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.

7. A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.

What documents are required to get an HDFC IndianOil Credit Card?

The documents that you will have to submit to get an HDFC IndianOil Credit Card are as below:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months if you are a salaried employee Bank statement for the last 3 months TR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the HDFC IndianOil Credit Card be used?

Here is the list of places where you can use it:

• With the HDFC IndianOil Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your  HDFC IndianOil Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The  HDFC IndianOil Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the HDFC IndianOil Credit Card?

The credit amount you can spend is what you are provided with an HDFC IndianOil Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit then penalties get added, and your credit score also goes down.

How do you apply for an HDFC IndianOil Credit Card?

Apply it through both these modes: 

Online Application Process

• Visit the official website of the HDFC Bank, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by HDFC Bank; for instance, you can choose the  HDFC IndianOil Credit Card.

• Just hover your cursor on the HDFC IndianOil Credit Card, followed by selecting ‘Apply Now‘ from there.

• You will be asked to fill out your details including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after submitting it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process

• You can walk into the nearest HDFC Bank branch to apply for the HDFC IndianOil Credit Card.

• Request for the credit card application form for the HDFC IndianOil Credit Card. They will provide you with the form and proceed accordingly.

• Fill the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas hotograph.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the HDFC IndianOil Credit Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the HDFC Bank Card website, or mobile app or by calling their customer service.

• For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.

Would getting an HDFC IndianOil Credit Card in 2025 be right?

Yes, getting an HDFC IndianOil Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility. 

HDFC Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.

Conclusion

On the whole, the HDFC IndianOil Credit Card is a highly rewarding choice for anyone who fills up on fuel frequently or who makes frequent purchases. It rewards very well on fuel at IndianOil stations with the ability to earn cash back and fuel points that can be redeemed for free fuel. Alongside the cost of fuel, other everyday bills such as grocery charges and bill payments are also refunded by the card, making it a good alternative for everyday spending.

The Credit card itself has of modern look simplicity in design and ease of use with pay contactless option for speed and safety of payment. It possesses an additional advantage through the provision of EMI options in case of high expenditure and eating and shopping vouchers for further boosting its value-add.

Frequently Asked Questions (FAQ’s)