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IndianOil HDFC Bank Credit Card Apply Now
Joining Fee Rs. 500 + GST
Rewards and Benefits
Welcome Benefits N/A
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 N/A
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)
Travel N/A
Golf N/A
Domestic Lounge N/A
International Lounge N/A
Insurance Benefits N/A
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

Renewal Fee Rs. 500 + GST
Spend Based Waiver The renewal fee will be waived on spends of Rs. 50,000
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Cash Advance Charges 2.5% of the amount withdrawn subject to a minimum charge of Rs 500.
Add-on Card Fee Nil