IndianOil HDFC Credit Card: Check Features & Apply Online
Bio
Shreyansh Singh, an IIT Kanpur alumnus, has eight years of experience in the finance industry. He has spent 5 years at American Express developing mid to long-term strategies for multiple markets including US, Europe and India. Shreyansh currently leads Growth and Strategy initiatives at Pice.
- 9 Dec 25
- 5 mins
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IndianOil HDFC Credit Card: Check Features & Apply Online
Shreyansh Singh- 08 Mins
- 09-12-25
Key Takeaways
- Earn 5% Fuel Points on IOCL fuel spends.
- Fuel Points stay valid for a full 2 years.
- Save up to 50 litres of fuel each year.
- Get 5% rewards on groceries and bill payments.
Do you drive every day and feel your wallet tighten each time you refuel?
Petrol prices keep shifting almost daily, with the current rate ranging between ₹82 - ₹107 per litre in India. Even a small rise of 25 paise makes a difference when you depend on your personal vehicle for daily commute.
In such times, the IndianOil HDFC Credit Card becomes a helpful companion. It allows you to save on fuel and balance the rising cost of your regular travel.
HDFC Credit Card IndianOil Benefits on Fuel Transactions
- Like most credit cards, the IndianOil HDFC Credit Card offers a simple 1% surcharge waiver.
- You save on every eligible fuel swipe above ₹400, capped at ₹250 each cycle.
Now, let us look at the benefits that make the IndianOil HDFC Credit Card truly rewarding beyond the basic fuel waiver.
- You can earn up to 50 litres of free fuel every year through Fuel Points earned on regular spending.
- You earn 5% Fuel Points at IndianOil outlets on fuel purchases. This benefit applies to eligible card swipes.
- You also get 5% Fuel Points on groceries and bill payments. This applies to both POS and online payments, with a cap of 100 points per month per category.
- For all other transactions, including UPI payments, you earn 1 Fuel Point per ₹150 spent.
Indian Oil HDFC Credit Card Point Validity and Redemption Limit
Fuel Points earned on the IndianOil HDFC Credit Card stay valid for 2 years from the date of accrual.
Monthly redemption also comes with limits. Cashback and travel redemptions are capped at 50,000 points/month, while grocery category earnings are capped at 1,000 points each month.
For ‘Points+Pay’ transactions, you may use up to 70% of the bill through Fuel Points and pay the remaining 30% using any standard payment option.
- An Illustrative Example of Monthly Fuel Point Earnings
| Spend Category | Monthly Spend | Fuel Point Rate | Fuel Points Earned |
| Petrol (IOCL Pumps) | ₹3,000 | 5% | 150 |
| Groceries | ₹2,000 | 5% | 100 |
| Utilities | ₹2,000 | 5% | 100 |
| Other Categories | ₹4,000 | 0.70% | 28 |
| Total Monthly Fuel Points | ₹11,000 | — | 378 |
- Annual Fuel Point Summary
Total Annual Fuel Points: 378 × 12 = 4,536 FP
Cash Value (@ ₹0.96 per FP): ₹4,354
Free Fuel Estimate (@ ₹100/litre): 43 litres
About IndianOil XTRAREWARDSTM Program (IXRP)
The IndianOil XTRAREWARDS Programme gives instant savings on every fuel purchase. You earn XRPs on fuel and lubricant spends and redeem them for free fuel at IndianOil outlets.
Membership is free and you can join online. Your registered mobile number works as your ID at the pump.
- Earn steady savings with a 0.4% value back on every eligible fuel purchase.
- Get 1 XRP for every ₹75 spent, which gives you a clear return of ₹0.30 per point.
- You also receive 100 bonus points on your birthday each year.
Must reads
Other HDFC IndianOil Credit Card Benefits
You stay protected with zero card liability on fraudulent transactions. Just report the issue to HDFC Bank’s 24×7 helpline without delay. This keeps your card usage safe and worry-free.
Other than that, you also get:
- Interest-free Credit Period: Enjoy up to 50 days of interest-free credit from the purchase date. This applies once the merchant submits the charge.
- SmartEMI Facility: Convert transactions up to 60 days old into EMIs. Choose up to 10 purchases with flexible tenures of up to 48 months, starting at 0.99% per month.
- PayZapp Benefits: Link your IndianOil HDFC Card on PayZapp to earn extra cashback on bills, recharges and utilities. You also get ₹1,000 cashback on in-app shopping across 200+ brands.
HDFC Credit Card IndianOil Charges
| Parameters | Charges |
| Joining and Annual Fee | ₹500 |
| Cash Advance Fee | 2.5% or ₹500 (whichever is higher) |
| SmartEMI Processing Fee | ₹199 + GST |
| Card Replacement Fee | ₹100 |
| Finance Charges | 3.60% monthly or 43.20% annually + GST |
Note: Spend ₹50,000 or more in the first year to get the annual fee waived. For information related to charges, read HDFC Bank’s Key Fact Statement.
Factors to Know About the Earned Fuel Points of HDFC Bank Petrol Card
1 Fuel Point equals 3 XRPs worth ₹0.96. Catalogue and cashback redemptions give up to ₹0.20 per point.
- Redeem Fuel Points as XRPs through NetBanking. Select your card and the IOCL option. Enter points in 500-point blocks.
- Use XRPs instantly at IndianOil pumps. The attendant selects XTRAREWARDS. Confirm with your mobile number and enter the amount.
FAQs
What is the HDFC IndianOil credit card limit?
Your limit is decided by HDFC Bank based on internal checks. The approved limit appears in PayZapp and on every statement.
Are there any spends that do not earn Fuel Points?
Rental payments and government-related transactions do not earn any Reward Points. These spends will not add to your monthly Fuel Point total.
Who is eligible for the HDFC Credit Card IndianOil?
Salaried users must be Indian residents aged 21–60 with a monthly income above ₹10,000. Self-employed users must be Indian residents aged 21–65 with an annual ITR above ₹6 lakh.
What documents do I need for the HDFC Credit Card IndianOil application?
You must submit basic KYC documents such as identity proof, address proof and recent bank statements. The bank may request additional documents. Requirements can vary for salaried and self-employed applicants.
How do I apply for the IndianOil HDFC Bank Credit Card?
You can apply online in a few simple steps. Enter and verify your phone number and DOB or PAN, confirm your details, choose your card and submit the form. In some cases, a video KYC may be required.
Does the IndianOil HDFC Credit Card support contactless payments?
The card is enabled for tap-to-pay at compatible retail outlets. You can make quick and secure payments without swiping the card.
What is the contactless transaction limit on the IndianOil HDFC Credit Card?
You can tap to pay for amounts below ₹5,000 without entering a PIN. For transactions of ₹5,000 and above, PIN entry is required for security.
Read More About Credit Card
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