Indian Oil HDFC Bank Credit Card

What's in store for you

More benefits than ever before

IndianOil Benefits

  • Earn 5% of your spends as Fuel Points at IndianOil outlets*

Welcome Benefits

  • Complimentary IndianOil XTRAREWARDSTM Program (IXRP) membership

Exclusive Benefits

  • Earn Fuel Points on retail spends with the IndianOil HDFC Bank Credit Card*

Activation Benefits

  • INR 250 worth of voucher upon card activation and completion of at least one transaction within 37 days from card issuance date

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Additional Benefits

Wondering if you’re eligible?

Salaried

  • Nationality: Indian
  • Age: Minimum 21 years, Maximum 60 Years
  • Net Monthly Income: > ₹12,000

Self-Employed

  • Nationality: Indian
  • Age: Minimum 21 years, Maximum 65 years
  • Annual Income: ITR > ₹6 lakh per annum
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Save up to ₹10,000* annually just like 22 lakh+ HDFC Bank Credit Card Holders

Apply Now
Millennia Credit Card

Documents required to get you started

Identity Proof

  • Passport
  • Aadhaar card
  • Voter ID
  • Driver's licence
  • PAN card
  • Passport size photos

Address Proof

  • Aadhaar card
  • Passport
  • Utility bills (electricity, water, gas)
  • Rental agreement
  • Bank statement

Income Proof

  • Salary slips (recent)
  • Form 16
  • Income Tax Returns (ITR)
  • Bank statements

Apply Now in 3 Easy Steps:

The Steps are:

  • Step 1 - Provide & validate your Phone Number & Date of Birth/PAN
  • Step 2- Confirm your details
  • Step 3- Select your Card
  • Step 4- Submit & Receive your Card*

*In certain cases, uploading documents and completing video KYC might be required.

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More about IndianOil HDFC Bank Credit Card

Card Control via MyCards

MyCards, a mobile-based service platform for all Credit Card needs, facilitates convenient activation and management of IndianOil HDFC Bank Credit Card on the go. It ensures a seamless experience without the need for passwords or downloads.

  • Credit Card Registration and Activation
  • Set up Card PIN 
  • Manage card controls like online spends, contactless transactions
  • View Transactions/Download e-statements
  • Check Reward Points
  • Block/Re-issue card
  • Apply for an Add-on Card, manage, set PIN and card controls for Add-on card
  • Single Interface
    One unified platform for managing Credit Cards, Debit Cards, FASTag, and Business Loans. 
  • Spend Tracking
    Simple, intuitive interface to monitor and manage all your business expenses. 
  • Reward Points
    Effortlessly view and redeem reward points with just a click. 
Card Management and Control

Fees & Charges

  • Joining/Renewal Membership Fee – ₹500/- plus Applicable Taxes
  • Click here to view details of your IndianOil HDFC Bank Credit Card fees and charges

For card sourced effective 01-11- 2020, Below T&Cs are applicable  

1. The Bank reserves the right to cancel the Card in case the Card remains inactive and is not used for effecting any transaction for a continuous period of 6 (Six) months after prior written notice sent on the email address and/or phone number and/or communication address, registered in the records of the Bank. 

1% Fee on transaction amount will be levied on rental transactions done on any applicable merchant for the month. Fee capped at ₹3,000 per transaction, effective 1st August 2024.

​​​​​​​3.5% Mark-Up fee will be applicable on all International / Cross currency transaction

Fees & Charges

Additional Features

  • Zero Cost Card Liability: Available on any fraudulent transactions made on your Credit Card if reported immediately to HDFC Bank’s 24-hour Call Centre.
  • Revolving Credit: Available at a nominal interest rate. (Check Fees and Charges section for more details)
  • Interest-free Credit Period: Get up to 50 days of interest free Credit from the date of purchase. (subject to submission of the charge by the Merchant) 
  • Smart EMI: Option to convert big spends into EMI after purchase available on IndianOil HDFC Bank Credit Card. (Click here to know more)    
Additional Features

Contactless Payment

  • Contactless Payment: IndianOil HDFC Bank Credit Card is enabled* for Contactless Payments at retail outlets.  

(Note: In India, payment through contactless mode is allowed for a maximum of ₹5,000 for a single transaction where you are not asked to input your Credit Card PIN. However, if the amount is higher than or equal to ₹5,000, the Card holder must enter the Credit Card PIN for security reasons. You may check for the Contactless Network Symbol on your card.)

Contactless Payment

Card Reward and Redemption Program

  • Fuel Point is an exclusive Rewards metric system created only for IndianOil HDFC Bank Credit Card holders. Fuel Points can also be earned on retail spends with the IndianOil HDFC Bank Credit Card.
  • Accelerated 5% Fuel Points on spends at IndianOil outlets, Groceries and Bill payments. (Accelerated 5% Fuel Points benefit will be given only for fuel transactions on IndianOil Retail Outlets.) 
  • Redeem Fuel Points for Free Fuel using the complimentary IndianOil XTRAREWARDSTM Program (IXRP) membership. Redemption at participating IndianOil Petrol Outlet by converting Fuel Points into XRP (Xtra Rewards Program where 1 Fuel Point = 3XP = 96 Paise). 
  • Redeem Fuel Points through NetBanking towards catalogue products (where 1 FP = upto 20 paise) 
  • Redeem Fuel Points as CashBack on your IndianOil HDFC Bank Credit Card. (CashBack Redemption against Statement balance where 1 FP = 20 Paise)
Cost Per Unit in ₹   IOCL Fuel Points in ₹
Product Catalogue CashBack  
Upto 0.20 0.2 1 Fuel Point = 3 ExtraRewards Point (XRP)
1 XRP = 0.32
1 Fuel Point = 0.96
  • Click here to know more on the process to redeem Fuel Points, cashback points.
  • To locate your nearest IndianOil Petrol Outlet, click here
Card Reward and Redemption Program

Fuel Points Validity & Redemption Limit

Fuel Points are valid for a period of 2 years.

  • Redemption of Reward Points to CashBack and Travel categories will be capped at 50,000 points per month per customer 
  • Accrual of Reward Points on Grocery Spends will be capped at 1000 points per month per customer
  • There will be no Reward Points accrual on Spends made on Rental and Government category payments
  • Points plus Pay - A maximum of 70% can be paid using Reward Points and the other 30% to be made by payment modes (Cash/Cards/UPI etc.)
Fuel Points Validity & Redemption Limit

Most Important Terms and Conditions

  • *The Most Important Terms and Conditions for each of our banking offerings features all the specific terms and conditions that govern their use. You must go through it thoroughly to fully understand the terms and conditions applicable to any banking product you choose.
  • Click here to access all important links related to your Credit Card.
  • For product specific T&C, click here
Most Important Terms and Conditions 

Value Chart for the Customer

SPENDS CATEGORY TYPICAL MONTHLY SPENDS(in Rs.) % Fuel Points Fuel Points due Monthly Max Capping* Fuel Points Earned
A Petrol (IOCL Pumps) 5000 5% 250 150 150
B Groceries 3000 5% 150 100 100
C Utilities 3000 5% 150 100 100
D Rest 12000 0.7% 80 NA 80
E Total (A+B+C+D) 23000   630 NA 430
Annual Fuel Points Earned (E x 12): 5160
Cash Value of Points on Redemption (1 FP = 3 XRP = Rs. 0.96):  4954
FREE FUEL LITRES @ Rs . 100 PER LITRE 50

Monthly Max cap for Fuel Points accrued on IndianOil Outlets for the first 6 months from Card issuance is: 250 FP

Monthly Max cap for Fuel Points accrued on IndianOil Outlets post 6 months is: 150 FP

*1 FP = Rs. 0.96 for fuel transactions at IOCL fuel pumps
Most Important Terms and Conditions 

Application Channels

You can choose any of the following easy options to apply for your HDFC Bank Credit Card:

  • 1. Website
    You can quickly apply online by clicking here.
  • 2. NetBanking
    If you're an existing HDFC Bank customer, simply log in to NetBanking and apply from the ‘Cards’ section.
  • 3. HDFC Bank Branch
    Prefer a face-to-face interaction? Just visit your nearest branch and our staff will help you with the application.
Most Important Terms and Conditions 

Frequently Asked Questions

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.

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 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. 

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.

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

For More Frequently Asked Questions

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For the Everyday Driver

  • 5% on IndianOil fuel
  • 5% on utility & grocery spends
  • 1% fuel surcharge off
  • ₹500 welcome bonus
Apply Now
Millennia Credit Card