Housing Development Finance Corporation

HDFC IndianOil Credit Card

Fuel

Reward Points

MyBankingTips Rating

Joining Fee: ₹500* Plus Applicable Taxes

Renewal Fee: ₹500*Plus Applicable Taxes

Fuel

Reward Points

MyBankingTips Rating

Joining Fee: ₹500* + Tax

Renewal Fee: ₹500* + Tax

Fuel

Welcome benefits:- Get ₹250 fuel gift voucher and 100% cashback (up to ₹250) on first fuel transaction.

Check your eligibility For This Card

About The Card Rewards Program Features & Benefits Fees & Charges Thinks We Know FAQs

About HDFC IndianOil Credit Card

The HDFC IndianOil Credit Card is a co-branded fuel card launched by HDFC Bank in partnership with IndianOil. It is designed for individuals who frequently refuel their vehicles at IndianOil outlets. With up to 5% fuel savings, fuel surcharge waiver, and reward points redeemable as cashback, this card helps reduce commuting costs and comes with an affordable fee.

HDFC IndianOil Credit Card Rewards Program

Spend Category	Fuel Points Earned
IndianOil fuel purchases	5% (up to 50/litre)
Grocery & bill payments	5% (capped)
All other retail spends	₹150 = 1 Fuel Point

Redemption: 1 Fuel Point = ₹0.25
Maximum: 250 Fuel Points per billing cycle for fuel & grocery

Other Features and Benefits

Fuel points are automatically credited to your Fuel Wallet
100 Fuel Points = ₹25 redeemable at IndianOil outlets
Contactless payment support
Free add-on card facility
Card management through HDFC mobile app or NetBanking

Fees and Charges

Total Amount Due	Late Payment Charges
₹100 to ₹500	₹100
₹501 to ₹5,000	₹500
₹5,001 to ₹10,000	₹600
₹10,001 to ₹25,000	₹800
₹25,001 to ₹50,000	₹1,100
Above ₹50,000	₹1,300

Things to Know Before you apply

Get this card if:

This card is best for:

People who refuelfrequently at IndianOil petrol pumps
Daily commuters, cab drivers, delivery partners, or office-goers
Budget-conscious users looking for a low-fee fuel card
Individuals spending ₹4,000–₹6,000/month on fuel & groceries

Eligibility Criteria

Age: 21 to 70 years
Occupation: Salaried or Self-employed
Credit Score: Should have a good credit history

Document Required For HDFC IndianOil Credit Card

Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
Proof of Address: Aadhaar Card, Driver’s License, Passport
Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement

HDFC IndianOil Credit Card Hilights

What do we like about this card?

Earn up to5% fuel points on IndianOil transactions
Additional fuel points on groceries and bill payments
1% fuel surcharge waiver on IndianOil outlets
Easy EMI options and cashback redemption
Renewal fee waived on annual spends of ₹50,000
Accepted at over 50,000 IndianOil fuel stations

Pros

High savings on IndianOil fuel transactions
Easy-to-understand reward system
Affordable annual fee with easy waiver
Fuel Points redeemable directly at fuel stations
Useful for car/bike owners and daily commuters

Cons

Benefits restricted to IndianOil outlets only
Monthly capping on fuel point earning
Not ideal for online shoppers or frequent travelers
No travel, lounge, or lifestyle benefits

HDFC Bank Credit Card Contact Details

HDFC Card offers multiple ways to get assistance for your credit card queries and services.

Contact Address: Manager, HDFC Bank Cards Division, PO BOX # 8654, Thiruvanmiyur PO Chennai - 600 041
Helpline: You can contact us at 1800 1600 / 1800 2600.
Simply SMS: - SMS “CCHELP” to 5676712