Fuel Points are an exclusive Rewards metric system created only for IndianOil HDFC Bank Credit Cardholders. You earn Fuel Points on retail spends you make through your IndianOil HDFC Bank Credit Cards and accelerated Fuel Point accrual on key categories like your Fuel spends (Only* at IndianOil Retail outlets), Groceries and Utilities as mentioned in the Product Features and Benefits

*Accelerated 5% Fuel Points benefit will be given only for non-UPI transactions done at IndianOil Retail Outlets. Click here for fuel points on UPI transactions on IOCL card.

IndianOil Credit Card is ideal for a frequent driver. This fuel credit card ensures significant savings on fuel purchases, offering practical benefits beyond your vehicle's needs. Apply online today to start maximising your savings on fuel and utility bills without any joining fee.

IndianOil XTRAREWARDSTM PROGRAM is an exclusive Loyalty Rewards Program owned and run by Indian Oil Corporation Ltd. This Loyalty program rewards the customers enrolled with them by awarding XTRAREWARDTM Points (XRP) on every transaction at any IndianOil Retail Outlet and also allowing the Customer to redeem these accrued Points at participating IndianOil Retail Outlet for free fuel.

For more details on this program, visit, https://www.xtrarewards.com

IndianOil HDFC Bank Credit Cardholders will get this Membership automatically and for free along with their credit cards. Your Membership will stay valid even after close of this Card or upgrade/migration to another HDFC Bank Credit Card. However, you will no longer be able to convert Fuel Points to XTRAREWARD Points for Fuel Redemption.

For Salaried Individuals:

• Nationality: Indian national
• Age: Min 21 years to Max 60 Years,
• Net Monthly Income> ₹10,000

For Self-Employed Individuals:

• Nationality: Indian national
• Age: Min 21 years and Max 65 Years
• Annual Income: ITR > ₹6 lakh per annum

To redeem Fuel Points for Free Fuel,

• Convert your accrued Fuel Points into XTRAREWARDTM Points (XRP)

• Use XRP at participating IndianOil Outlets for free fuel

To locate your nearest IndianOil Petrol Outlet, click here

Click here to know more

To apply for an IndianOil Credit Card, documents such as Identity proof, Address proof, bank statements, etc. may be required. 

Click here to read more FAQs

The HDFC Bank Indian Oil Credit Card has a Joining Fee of ₹500, along with an annual fee of ₹500. Find the annual fee and joining fees here.. Some cards may have no joining fees, with waivers based on specific criteria. 

Please ensure that your latest mobile number is updated on IndianOil XTRAREWARDSTM Membership, else your redemption will not get processed successfully.

In case of any questions or help, you can seek assistance through:

Call us on 1800 1600 / 1800 2600 (accessible across India) Customer travelling overseas can reach us on 022-61606160

Connect with Eva for quick solutions to common queries

Contact Nearest Branch

Please visit HDFC Bank Contact Us page for more details.

With respect to Fuel Points, if your XTRAREWARDSTM POINTS are not credited to your XTRAREWARDSTM Program Account within 72 hours, then your Fuel Points will be credited back into your Credit Card account within 7-10 business days

XRP can be tracked on https://www.xtrarewards.com or from the POS Terminal at the participating IndianOil Retail Outlet. You can also SMS a query XRP <IOCL XRP Card No> to 9223177998. Alternatively, you can also check your XRP Balance from IndianOil ONE app

Yes. You can still apply for an IndianOil HDFC Bank Credit Card. In this case, instead of creating a new XR CID, your existing XR CID will be merged with this program and you can start converting Fuel Points into XRP and use XRP to redeem free fuel at participating IndianOil Fuel Outlets.

NOTE:

• Make sure that your Mobile Number registered with the Bank is the same as the mobile number registered with IndianOil XTRAREWARDSTM Program
• In case the registered Mobile Number with the Bank is different from the one registered with IndianOil XTRAREWARDSTM Program, or for any questions or help, you can seek assistance through:

Call us on 1800 1600 / 1800 2600 (accessible across India) Customer travelling overseas can reach us on 022-61606160

Connect with Eva for quick solutions to common queries

Contact Nearest Branch

Please visit HDFC Bank Contact Us page for more details.

Eligibility for Fuel Points on transaction is basis the Merchant Category Code (MCC) captured for the transaction. Only those MCCs recognized and considered by Partner Networks (Visa/RuPay) for the above mentioned categories will accrue 5% Fuel Points (FP). If your transaction didn’t accrue any FP, it is because it is not recognized as Fuel/Groceries/Utilities/Bill Payment as per standard Merchant Category Code

• IndianOil HDFC Bank Credit Cardholders are automatically and mandatorily registered with IndianOil XTRAREWARDSTM Program during the time of Credit Card issuance.
• Once the Customer is automatically registered, you will receive an SMS on your registered mobile number from IndianOil, with the confirmation of your XTRAREWARDSTM Program account successfully been created along with an XTRAREWARDSTM Customer ID (XR CID).
• In case you haven’t received the confirmation SMS within 5 business days of receiving your Credit Card, please connect with the Bank for resolution.

Post creation of your XR CID, you could also install “IndianOil ONE” App from Android Play Store or IOS App store (Not mandatory) to help keep track of your XRP Balance and Transactions

Note: XR CID is created by Indian Oil for the purpose of redeeming points against free fuel. This is different from the Customer ID maintained with the Bank.

Yes, Post verifying that the IndianOil Retail outlet is a Participating Outlet, check with the Merchant on Payment option using XTRAREWARDTM POINT. Redemption process flow is mentioned in Q2. If you are unable to pay your fuel bill entirely through XTRAREWARDTM POINTS (XRP), Then you can partially pay through XRP and partially through your IndianOil HDFC Bank Credit Card.

Having Customer ID with XTRAREWARDS Program is necessary since without this membership, you cannot convert Fuel Points accrued on your credit card into XTRAREWARDTM POINTS and use them at IndianOil Fuel Outlets for free fuel redemption. Also, having this XR CID is critical to receive information or any status update on your XTRAREWARDSTM Program account with IndianOil.

Fuel Points can be accrued on all kinds of Retail Spends that include both Online and Point of Sale (PoS) transactions. However, there are few kinds of transactions for which you will not get Fuel Points. They are:

• Fuel transactions at other petrol pumps
• Any kind of wallet-loading
• On Returned purchases, disputed or unauthorized/fraudulent transactions
• EMI Transactions
• Account Fees and Payment
• Purchase of jewellery/gold coins or its equivalents

Please Note that there is a monthly capping on Fuel Points accrued on the below mentioned spends.

• Spends at IndianOil Outlets –
  - Monthly Max cap for the first 6 months from card issuance: 250 FP

  - Monthly Max cap post 6 months: 150 FP

• Spends on Groceries – Monthly Max cap: 100 FP

• Spends on Utilities and Bill Payments – Monthly Max cap: 100 FP

Fuel Credit Cards, like the Indian Oil Credit Card, offer fuel surcharge waivers, reward points on fuel spends, and free fuel accumulation for savings on fuel and utility bills.

Indian Oil Credit Card provides CashBack in the form of reward points, redeemable for free fuel or other options. Details are in the card's terms.

Fuel Points accrued on all eligible transactions posted within the calendar month will be added up and credited on the 1st of the next calendar month. Please note that maximum capping will be applied before crediting them.

A. You can check the Fuel Points accrued for the previous calendar month’s transactions posted on the current month statement shared with you (Physical or E-statement)

B. You can also check by Logging into:
NetBanking -> Cards Tab -> Click on “Enquiry” -> Reward Points Redemption -> Choose your IndianOil HDFC Bank Credit Card Number -> View total Fuel Points accrued

Yes, you can use it for shopping, offering benefits not only on fuel but also rewards or cashback on other transactions.