{"id":82738,"date":"2025-12-09T22:26:57","date_gmt":"2025-12-09T16:56:57","guid":{"rendered":"https:\/\/piceapp.com\/blogs\/?p=82738"},"modified":"2025-12-09T22:27:01","modified_gmt":"2025-12-09T16:57:01","slug":"indianoil-hdfc-credit-card","status":"publish","type":"post","link":"https:\/\/piceapp.com\/blogs\/indianoil-hdfc-credit-card\/","title":{"rendered":"IndianOil HDFC Credit Card: Check Features &amp; Apply Online"},"content":{"rendered":"\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p><strong>Key Takeaways<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Earn 5% Fuel Points on IOCL fuel spends.<\/li>\n\n\n\n<li>Fuel Points stay valid for a full 2 years.<\/li>\n\n\n\n<li>Save up to 50 litres of fuel each year.<\/li>\n\n\n\n<li>Get 5% rewards on groceries and bill payments.<\/li>\n<\/ul>\n<\/div><\/div>\n<\/div><\/div>\n\n\n\n<p><em>Do you drive every day and feel your wallet tighten each time you refuel?&nbsp;<\/em><\/p>\n\n\n\n<p>Petrol prices keep shifting almost daily, with the current rate ranging between \u20b982 &#8211; \u20b9107 per litre in India. Even a small rise of 25 paise makes a difference when you depend on your personal vehicle for <a href=\"https:\/\/quickride.in\/\" target=\"_blank\" rel=\"noopener\">daily commute.\u00a0<\/a><\/p>\n\n\n\n<p>In such times, the <strong>IndianOil HDFC Credit Card <\/strong>becomes a helpful companion. It allows you to save on fuel and balance the rising cost of your regular travel.<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><ul><li><a href=\"#hdfc-credit-card-indian-oil-benefits-on-fuel-transactions\">HDFC Credit Card IndianOil Benefits on Fuel Transactions<\/a><\/li><li><a href=\"#indian-oil-hdfc-credit-card-point-validity-and-redemption-limit\">Indian Oil HDFC Credit Card Point Validity and Redemption Limit<\/a><\/li><li><a href=\"#other-hdfc-indian-oil-credit-card-benefits\">Other HDFC IndianOil Credit Card Benefits<\/a><\/li><li><a href=\"#hdfc-credit-card-indian-oil-charges\">HDFC Credit Card IndianOil Charges<\/a><\/li><li><a href=\"#factors-to-know-about-the-earned-fuel-points-of-hdfc-bank-petrol-card\">Factors to Know About the Earned Fuel Points of HDFC Bank Petrol Card<\/a><ul><\/ul><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"hdfc-credit-card-indian-oil-benefits-on-fuel-transactions\"><strong>HDFC Credit Card IndianOil Benefits on Fuel Transactions<\/strong><\/h2>\n\n\n\n<div class=\"wp-block-media-text is-stacked-on-mobile\"><figure class=\"wp-block-media-text__media\"><img loading=\"lazy\" decoding=\"async\" width=\"208\" height=\"127\" src=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/hdfc-credit-card-indian-oil.webp\" alt=\"\" class=\"wp-image-82755 size-full\" title=\"\" srcset=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/hdfc-credit-card-indian-oil.webp 208w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/hdfc-credit-card-indian-oil-150x92.webp 150w\" sizes=\"auto, (max-width: 208px) 100vw, 208px\" \/><\/figure><div class=\"wp-block-media-text__content\">\n<ul class=\"wp-block-list\">\n<li>Like most credit cards, the <strong>IndianOil HDFC Credit Card <\/strong>offers a simple 1% surcharge waiver. <\/li>\n\n\n\n<li>You save on every eligible fuel swipe above \u20b9400, capped at \u20b9250 each cycle.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>Now, let us look at the benefits that make the <strong>IndianOil HDFC Credit Card<\/strong> truly rewarding beyond the basic fuel waiver.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>You can earn up to 50 litres of free fuel every year through Fuel Points earned on regular spending.<\/li>\n\n\n\n<li>You earn 5% Fuel Points at IndianOil outlets on fuel purchases. This benefit applies to eligible card swipes.<\/li>\n\n\n\n<li>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.<\/li>\n\n\n\n<li>For all other transactions, including UPI payments, you earn 1 Fuel Point per \u20b9150 spent.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"indian-oil-hdfc-credit-card-point-validity-and-redemption-limit\"><strong>Indian Oil HDFC Credit Card Point Validity and Redemption Limit<\/strong><\/h2>\n\n\n\n<p>Fuel Points earned on the IndianOil HDFC Credit Card stay valid for 2 years from the date of accrual.<\/p>\n\n\n\n<p>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.<\/p>\n\n\n\n<p>For \u2018Points+Pay\u2019 transactions, you may use up to 70% of the bill through Fuel Points and pay the remaining 30% using any <a href=\"https:\/\/www.takepayments.com\/blog\/product-information\/different-payment-methods\/\" target=\"_blank\" rel=\"noopener\">standard payment option.<\/a><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>An Illustrative Example of Monthly Fuel Point Earnings<\/strong><\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Spend Category<\/strong><\/td><td><strong>Monthly Spend<\/strong><\/td><td><strong>Fuel Point Rate<\/strong><\/td><td><strong>Fuel Points Earned<\/strong><\/td><\/tr><tr><td>Petrol (IOCL Pumps)<\/td><td>\u20b93,000<\/td><td>5%<\/td><td>150<\/td><\/tr><tr><td>Groceries<\/td><td>\u20b92,000<\/td><td>5%<\/td><td>100<\/td><\/tr><tr><td>Utilities<\/td><td>\u20b92,000<\/td><td>5%<\/td><td>100<\/td><\/tr><tr><td>Other Categories<\/td><td>\u20b94,000<\/td><td>0.70%<\/td><td>28<\/td><\/tr><tr><td>Total Monthly Fuel Points<\/td><td>\u20b911,000<\/td><td>\u2014<\/td><td>378<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Annual Fuel Point Summary<\/strong><\/li>\n<\/ul>\n\n\n\n<p><strong>Total Annual Fuel Points:<\/strong> 378 \u00d7 12 = 4,536 FP<\/p>\n\n\n\n<p><strong>Cash Value (@ \u20b90.96 per FP):<\/strong> \u20b94,354<\/p>\n\n\n\n<p><strong>Free Fuel Estimate (@ \u20b9100\/litre):<\/strong> 43 litres<\/p>\n\n\n\n<p><strong>About IndianOil XTRAREWARDSTM Program (IXRP)<\/strong><\/p>\n\n\n\n<p>The <a href=\"https:\/\/iocl.com\/loyalty-programmes\" target=\"_blank\" rel=\"noopener\">IndianOil XTRAREWARDS<\/a> 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.<\/p>\n\n\n\n<p>Membership is free and you can join online. Your registered mobile number works as your ID at the pump.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Earn steady savings with a 0.4% value back on every eligible fuel purchase.<\/li>\n\n\n\n<li>Get 1 XRP for every \u20b975 spent, which gives you a clear return of \u20b90.30 per point.<\/li>\n\n\n\n<li>You also receive 100 bonus points on your birthday each year.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"other-hdfc-indian-oil-credit-card-benefits\"><strong>Other HDFC IndianOil Credit Card Benefits<\/strong><\/h2>\n\n\n\n<p>You stay protected with zero card liability on fraudulent transactions. Just report the issue to HDFC Bank\u2019s 24\u00d77 helpline without delay. This keeps your card usage safe and worry-free.<\/p>\n\n\n\n<p>Other than that, you also get:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Interest-free Credit Period:<\/strong> Enjoy up to 50 days of interest-free credit from the purchase date. This applies once the merchant submits the charge.<\/li>\n\n\n\n<li><strong>SmartEMI Facility:<\/strong> 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.<\/li>\n\n\n\n<li><strong>PayZapp Benefits:<\/strong> Link your IndianOil HDFC Card on PayZapp to earn extra cashback on bills, recharges and utilities. You also get \u20b91,000 cashback on in-app shopping across 200+ brands.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"hdfc-credit-card-indian-oil-charges\"><strong>HDFC Credit Card IndianOil Charges<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Parameters<\/strong><\/td><td><strong>Charges<\/strong><\/td><\/tr><tr><td>Joining and Annual Fee<\/td><td>\u20b9500<\/td><\/tr><tr><td>Cash Advance Fee<\/td><td>2.5% or \u20b9500 (whichever is higher)<\/td><\/tr><tr><td>SmartEMI Processing Fee<\/td><td>\u20b9199 + GST<\/td><\/tr><tr><td>Card Replacement Fee<\/td><td>\u20b9100<\/td><\/tr><tr><td>Finance Charges<\/td><td>3.60% monthly or 43.20% annually + GST<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong><em>Note:<\/em><\/strong><em> Spend \u20b950,000 or more in the first year to get the annual fee waived. For information related to charges, read <\/em><a href=\"https:\/\/www.hdfc.bank.in\/content\/dam\/hdfcbankpws\/in\/en\/personal-banking\/discover-products\/cards\/credit-cards\/freedom-credit-card\/part-i-key-fact-statement-cum-most-important-terms-and-conditions-for-credit-cards.pdf\" target=\"_blank\" rel=\"noopener\"><em>HDFC Bank\u2019s Key Fact Statement<\/em><\/a><em>.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"factors-to-know-about-the-earned-fuel-points-of-hdfc-bank-petrol-card\"><strong>Factors to Know About the Earned Fuel Points of HDFC Bank Petrol Card<\/strong><\/h2>\n\n\n\n<p>1 Fuel Point equals 3 XRPs worth \u20b90.96. Catalogue and cashback redemptions give up to \u20b90.20 per point.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Redeem Fuel Points as XRPs through NetBanking. Select your card and the IOCL option. Enter points in 500-point blocks.<\/li>\n\n\n\n<li>Use XRPs instantly at IndianOil pumps. The attendant selects XTRAREWARDS. Confirm with your mobile number and enter the amount.<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"fa-qs\"><strong>FAQs<\/strong><\/h3>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1765278638404\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">What is the HDFC IndianOil credit card limit?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Your limit is decided by HDFC Bank based on internal checks. The approved limit appears in PayZapp and on every statement.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1765278652646\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Are there any spends that do not earn Fuel Points?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Rental payments and government-related transactions do not earn any Reward Points. These spends will not add to your monthly Fuel Point total.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1765278665530\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Who is eligible for the HDFC Credit Card IndianOil?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Salaried users must be Indian residents aged 21\u201360 with a monthly income above \u20b910,000. Self-employed users must be Indian residents aged 21\u201365 with an annual ITR above \u20b96 lakh.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1765278676496\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">What documents do I need for the HDFC Credit Card IndianOil application?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>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.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1765278686663\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">How do I apply for the IndianOil HDFC Bank Credit Card?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>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.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1765278700446\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Does the IndianOil HDFC Credit Card support contactless payments?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>The card is enabled for tap-to-pay at compatible retail outlets. You can make quick and secure payments without swiping the card.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1765278709845\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">What is the contactless transaction limit on the IndianOil HDFC Credit Card?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>You can tap to pay for amounts below \u20b95,000 without entering a PIN. For transactions of \u20b95,000 and above, PIN entry is required for security.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Key Takeaways Do you drive every day and feel your wallet tighten each time you refuel?&nbsp; Petrol prices keep shifting almost daily, with the current rate ranging between \u20b982 &#8211; \u20b9107 per litre in India. Even a small rise of 25 paise makes a difference when you depend on your personal vehicle for daily commute.\u00a0 [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":82839,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-82738","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-card"],"_links":{"self":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/82738","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/comments?post=82738"}],"version-history":[{"count":2,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/82738\/revisions"}],"predecessor-version":[{"id":82849,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/82738\/revisions\/82849"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media\/82839"}],"wp:attachment":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media?parent=82738"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/categories?post=82738"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/tags?post=82738"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}