IndianOil HDFC Bank Credit Card

IndianOil HDFC Bank Credit Card

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Joining Fee

Rs. 500 (plus applicable taxes)

Rewards and Benefits
Welcome Benefits


Rewards Rate

5% of spends as Fuel Points at IndianOil outlets, groceries, and bill payments, 1 Fuel Point on every Rs. 150 spent on all other purchases, reward rate of up to 4.8%

Movie & Dining

Save 2.5% on your dining bills.

Reward Redemption

Fuel Points redeemable for Free Fuel using the complimentary IndianOil XTRAREWARDS Program (IXRP) membership at IndianOil outlets (1 FP = 96 Paise), through net-banking towards catalog products (1 FP = 20 Paise) and as cashback on the credit card (1 FP = 20 Paise)





Domestic Lounge


International Lounge


Insurance Benefits


Zero Liability Protection

Zero liability of credit cardholders against any unauthorized transaction if the loss or theft is reported to the bank within 24 hours post-loss or theft.

Fees & Charges
Joining Fees

Rs 500 (plus applicable taxes)

Renewal Fee

Rs 500 (plus applicable taxes)

Spend based Waiver

The renewal fee will be waived off on the basis of the amount spent using the credit card.

Rewards Redemption Fee

Rs 99 per redemption request

Foreign Currency Markup

3.5% of the amount transacted

Interest Rates

3.6% per month (or 43.2% per annum)

Fuel Surcharge

On a minimum fuel transaction of Rs. 400, you will get a fuel surcharge waiver of 1%.

Cash Advance Charge

2.5% of the amount withdrawn subject to a minimum charge of Rs 500.

Add-on Card Fee


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