Fuel rewards, simplified for everyday usage
5% points on fuel, groceries & bill
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| Benefit | Details |
|---|---|
| Fuel-Rewards Structure | Earn Fuel Points on fuel, groceries, bills & other expenditures. |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver on qualifying fuel station spends. |
| Fee | Joining / renewal fee of ₹500 + GST. |
| Interest-Free Credit Period | Up to 50 days without interest, subject to merchant submission rules. |
| Attribute | Classification |
|---|---|
| Issuer / Provider | HDFC Bank |
| Bank / Non-bank | Bank-affiliated |
| Category | Co-branded Fuel / Everyday Rewards |
| Type of Card | RuPay Credit Card |
| Free or Paid | Paid ₹500 annual / renewal fee (waivable) |
The IndianOil HDFC Bank RuPay Credit Card is best suited for individuals who frequently drive and prefer to manage their monthly fuel expenses more efficiently. Designed to cater to the needs of daily commuters and vehicle owners, the card offers valuable fuel-linked rewards that help offset rising fuel costs. Beyond fuel purchases, it also provides additional benefits on groceries, utility bill payments, and everyday shopping, making it a practical choice for those who want consistent savings on routine spending. Its RuPay network compatibility and UPI integration further enhance convenience, allowing cardholders to earn rewards seamlessly through digital transactions.
Complimentary Programme: Membership of IndianOil XTRAREWARDS (IXRP) is included.
Credit Flexibility: Offers revolving credit facility at nominal interest rates.
Interest-Free Period: Up to 50 days of interest-free period on purchases, subject to merchant and charge timings.
Emergency / Lost card liability: Zero liability on fraudulent transactions once loss is reported via bank helpline.
Category | Earning Rate | Caps / Conditions |
Fuel at IndianOil outlets | 5 % of spend as Fuel Points (during first 6 months) | Maximum 250 Fuel Points per month in first 6 months |
Fuel at IndianOil outlets (post-6 months) | 5 % Fuel Points | Maximum 150 Fuel Points per month post 6 months |
Groceries & Bill Payments (POS / e-commerce) | 5 % of spend as Fuel Points | Capped at 100 Fuel Points per month per category |
UPI / Other spends (non-fuel, non-grocery / bills) | 1 Fuel Point per ₹150 spent | Applies to other purchases including UPI spends |
The card offers a 1 % waiver on fuel surcharge at IndianOil stations (minimum transaction value ₹400).
Maximum waiver per statement cycle is ₹250.
Annual / renewal fee waiver on spends of ₹50,000 in a year.
Disclaimer: The card features, benefits, application process, and other details mentioned above are accurate at the time of writing but may change without prior notice.
| Fee Type | Amount | Details |
|---|---|---|
| Joining Fee | ₹500 + applicable taxes | One-time charge on card issuance. |
| Annual / Renewal Fee | ₹500 + applicable taxes | Waivable on annual spends of ₹50,000. |
| Cash Advance Fee | 2.5% of the amount withdrawn (minimum ₹500) | At ATMs or other cash advance channels. |
| Foreign / Cross-Currency Mark-Up Fee | 3.5% | On international / cross-currency transactions. |
| Late Payment Charges | Up to ₹1,300 depending on outstanding amount | For more details check the late fees structure. |
| Over-Limit / Payment Return / Other Charges | 2.5% | Subject to bank's terms & conditions. |
| Criteria | Details |
|---|---|
Age (Salaried Individuals) | 21 to 60 years |
Age (Self-Employed Individuals) | 21 to 65 years |
Nationality | Indian nationals only |
Income Requirement | Salaried: Minimum monthly income approx. ₹12,000 Self-Employed: ₹6 lakhs per annum |
| Document Type | Details |
|---|---|
| Identity Proof | Aadhaar Card, Passport, Driving Licence, PAN card |
| Address Proof | Aadhaar / other government-issued document |
| Income Proof | Salary slips, ITR / Form 16 (for salaried / self-employed as required by bank) |
Click on Apply Now: Hit the 'Apply Now' button to start your application.
Fill in Your Detail: Enter your personal, contact, and financial details in the application form.
Upload Required Documents: Upload your PAN Card, Aadhaar/Address Proof, and Income Proof.
Submit Your Application: Review all the details and click Submit.
Approval & Card Delivery: Once approved, your IndianOil HDFC Bank RuPay Credit Card will be delivered to your registered address.
| Usage Tips | Details |
|---|---|
Maximise Fuel Rewards | Use the card for fuel purchases at IndianOil stations to benefit from the 5% Fuel Points rate. |
Use for Groceries & Bills | Achieve higher Fuel Points on grocery / bill payments by routing via POS / accepted digital channels. |
Pay on Time | To avoid late payment fees and retain interest-free credit days, settle statements within due dates. |
Track Points & Rewards | Monitor Fuel Points balance and redemption options via HDFC Bank's credit card portal or mobile banking app. |
The IndianOil HDFC Bank RuPay Credit Card is designed for users who want to maximize their credit card benefits effectively.
Disclaimer: The information provided on this page has been gathered from various reliable sources and is intended solely for general informational purposes. As details may change over time, we do not guarantee the accuracy or completeness of the content. Users are advised to verify the information with official or relevant sources before making any decisions or taking action.