Indian Oil HDFC Bank Credit Card
Tailor-made for motorists and commuters looking to combat rising petrol costs. It earns up to 5% back as Fuel Points at IndianOil outlets and on groceries and bill payments, which can be directly redeemed for free fuel at an exceptional conversion rate of ₹0.96 per point.
Why We Recommend The Indian Oil HDFC Bank Credit Card
A practical, reliable fuel card with an impressive ₹0.96 redemption value per Fuel Point at IOCL stations.
Daily car/two-wheeler commuters who regularly refuel at IndianOil petrol pumps
Welcome Gift & Activation Benefits
* Welcome benefits are typically unlocked upon payment of the joining fee and initial card activation within 30 to 90 days.
Grofi Expert Rating
Our ratings assess real-world net reward yields after fee deductions, partner redemption flexibility, lounge conditions, and user transparency.
How Much Can You Save with the Indian Oil HDFC Bank Credit Card?
Adjust your expected monthly card spends to calculate your real annual rewards and net savings.
Includes flight & hotel bookings, partner brands (Amazon, Swiggy, Flipkart), dining, and online shopping.
* Reward Point Value: 1 Fuel Point = ₹0.96 (redeemable against free fuel at IOCL pumps via IndianOil XtraRewards) on statement credit or travel bookings.
Based on annual spending of ₹6,00,000.
Fees & Charges Breakdown for Indian Oil HDFC Bank Credit Card
Zero hidden costs. Complete fee schedule verified with HDFC Bank official guidelines.
One-time fee charged on the first statement
Billed annually starting from the 2nd year
Annual fee reversed upon crossing this spend milestone in the preceding card year
Charges applicable on foreign currency transactions and cross-border payments
Standard interest rate on revolving card balances
Fee on ATM cash withdrawals via credit card
From the first day of billing cycle till due date
Airport Lounge Privileges on the Indian Oil HDFC Bank Credit Card
Experience gourmet dining, quiet workspaces, and premium comforts before every flight.
No complimentary lounge access
Valid across 40+ domestic airport lounges including Mumbai (Adani), Delhi (Encalm), Bengaluru (080 Lounge), Hyderabad, Chennai, and Kolkata terminals.
Not available
Access over 1,300+ luxury airport lounges globally across Dubai, London Heathrow, Singapore Changi, New York JFK, Frankfurt, and Doha.
What Makes Indian Oil HDFC Bank Credit Card Stand Out?
Discover the top benefits, special offers, and protections engineered into this card.
Earn up to 50 Litres of free fuel every year through regular fueling spends
Monthly cap of 250 Fuel Points for fuel in initial months (then up to 1,200 points)
Available on RuPay network for direct UPI payments
Pros & Cons of the Indian Oil HDFC Bank Credit Card
An honest, transparent evaluation of strengths and limitations before you submit your application.
What We Love (Pros)
- Highest direct fuel redemption rate (1 Fuel Point = ₹0.96 of fuel)
- Low spend waiver hurdle of ₹50,000 per year
- Covers groceries and utilities with 5% Fuel Points
Things to Consider (Cons)
- No airport lounge access
- Fuel benefits restricted to IndianOil (IOCL) stations only
Who Can Apply for the Indian Oil HDFC Bank Credit Card?
Review minimum income, credit score thresholds, and essential verification documents.
Net in-hand monthly or annual earnings
Primary applicant (18+ for add-ons)
With continuous employment proof
With valid Indian address proof
700+ Score Recommended
Applicants with a credit score of 700 or higher enjoy fast-tracked approval and preferential credit limits from HDFC Bank.
Documents Required
100% digital paperless verification via Video KYC. Keep these documents ready:
Identity & Address Proof
Aadhaar Card (linked with mobile number for OTP), Passport, Driving License, or Voter ID.
PAN Card
Mandatory physical or e-PAN copy required by RBI guidelines for all credit applications.
Proof of Income
Salaried: Last 3 months' salary slips or bank statements. Self-employed: Latest ITR computation.
Everything You Need to Know About Indian Oil HDFC Bank Credit Card
Clear answers to common questions regarding annual fees, reward redemption, lounge rules, and delivery.
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Ready to Apply for the Indian Oil HDFC Bank Credit Card?
Check your pre-approved credit limit and instant approval eligibility across HDFC Bank with 100% paperless verification and zero score impact.