Indian Oil HDFC Bank Credit Card

Indian Oil HDFC Bank Credit Card is a co-branded fuel credit card partnership with Indian oil. Since it is a fuel credit card the reward points also focuses on fuel which can give upto 50 Liters of free fuel in a year. You will algo get XTRAREWARD membership of Indian oil which will  let you to get 1 Fuel  points = ₹0.96. The accumulated Fuel points you can also redeem for product catalogue or against statement balance in this case you will only get 1 Fuel points = ₹0.2, so if you want to fully utilise Fuel points it is advisable to redeem against for Fuel only. This card comes with nominal Joining/Annual fee of ₹500 which can be waived off by spending criteria which is comparatively less than other credit cards. 

JOINING FEE
Rs.500+GST
RENEWAL FEE
Rs.500+GST
REWARDS &CASHBACK
5% Fuel Points on Indian Oil Outlet. Earn 5% fuel points on Groceries and Bill payment. Earn 1% Fuel point on all other purchase including Transaction done via UPI.

Key Features of Indian Oil HDFC bank Credit Card

Fuel Points

Fuel Surcharge Waiver

Spend Based Waiver

Rupay Card

Fees & Charges

Reward Redemption Fee

Foreign Currency Markup

Finance Charges & Cash withdrawal Fee

Eligibility Criteria

Criteria Salaried Individuals Self Employed Individuals
Age
21-60 Years
21-65 Years
Income
₹12000 Per month
ITR should be 6lakh or more

Indian Oil HDFC Bank Credit Card is one of the entry level Fuel credit card in the market which give decent reward rate on Fuel. You will get accelerated 5% Fuel points on Indian oil outlet also on Grocery and Utility Bill payment which is plus point for entry level Fuel credit card. Its comes with nominal joining and annual fee which can be easily waived off by spending criteria. The plus point is it also comes in Rupay variant which can easily linked with UPI. There are other Indian oil credit card in the market such as Indian Oil Kotak reward rate 0.5%, Indian Oil Axis reward rate 0.2%, India Oil RBL reward rate 0.5% and if you compare with Indian Oil HDFC it is having almost 0.64% reward rate which is slightly higher than others. Overall this is decent credit card for middle class people wo want to save some decent amount on their daily fuel expenditure. Do let us know what do you think about this credit card.

what is the validity of Fuel points in Indian Oil HDFC Bank Credit Card?

The validity of fuel points is for 2 years from the date of credit.

No, This is not such case you don’t need bank account in HDFC although if you have its a plus point but that not necessary to apply for this credit card.

Yes the annual fee is waived off on spending Rs. 50kin previous year.

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