Don't miss out on checking your credit score
— 2 mins, absolutely free!
Get Credit Limit up ₹5 Lakhs
Apply Now
The IndianOil HDFC Bank Credit Card is a co‑branded credit card that caters to the needs of vehicle owners who frequently use their vehicles and incur high fuel expenses. This card is an ideal choice for individuals who own and use vehicles regularly, including those with commercial vehicles such as lorries, taxis, and transportation trucks.
Calculate your HDFC IndianOil Credit Card EMI instantly and estimate your monthly EMI, total interest, and total repayment amount on fuel purchases.
| Month | Principal | Interest | EMI | GST (18%) | Final EMI |
|---|
Below are some of the key benefits of the IndianOil HDFC credit card:
Joining Fee: The IndianOil HDFC credit card comes with a joining fee of Rs. 500 plus taxes, which can be waived if you spend Rs. 20,000 in the first 90 days of card issuance. The primary waiver condition is spending Rs. 50,000 and above in the first year to waive the renewal fee.
Complimentary Membership: New cardholders receive a complimentary membership to the IndianOil XTRAREWARDS Program (IXRP), which enhances fuel point redemption.
Earn 5% of your spends as Fuel Points at IndianOil outlets, groceries, and bill payments. For the first six months, you can earn up to 250 Fuel Points per month, and up to 150 Fuel Points per month thereafter. Earn 1 Fuel Point for every Rs. 150 spent on all other purchases, including UPI transactions.
Fuel Surcharge Waiver: Enjoy a 1% fuel surcharge waiver on fuel transactions with a minimum value of Rs. 400, with a maximum cashback of Rs. 250 per statement cycle.
Interest‑Free Credit Period: Benefit from up to 50 days of interest‑free credit period on your purchases, subject to the submission of the charge by the merchant.
Revolving Credit and Zero Lost Card Liability: Avail revolving credit on your card at a nominal interest rate. Report any lost card immediately to the 24‑hour call centre to enjoy zero liability on any fraudulent transactions.
Contactless Payments: The card is enabled for contactless payments, allowing fast, convenient, and secure transactions at retail outlets. Transactions above Rs. 5,000 require PIN entry for added security.
Redeem Fuel Points for free fuel using the IXRP membership at participating IndianOil outlets (1 FP = 96 paise). Redeem Fuel Points through net banking towards catalogue products (1 FP = 20 paise) or as cashback on the HDFC fuel credit card (1 FP = 20 paise).
Applying for the IndianOil HDFC Bank Credit Card is a straightforward process. You can submit your application online through the Airtel App or HDFC Bank’s website. Follow the steps below to complete your application and receive your card.
Ensure you meet the age, income, and credit score requirements before starting. The credit card eligibility criteria include being 21‑60 years old and having a stable income.
Provide your personal, employment, and contact details in the online form. Double‑check the information to avoid delays.
Scan and upload your PAN card, identity proof, address proof, and income documents directly through the portal.
HDFC Bank will verify your documents and may conduct a video KYC or physical verification if required.
Once verified, the card is approved and dispatched to your registered address. You will receive it within 7‑10 working days.
You need to submit a few essential documents when you apply for the HDFC IndianOil Credit Card. These are standard requirements to complete the credit card eligibility verification.
| Document Type | Accepted Proofs |
|---|---|
| Identity Proof | Voter ID, passport, or driving licence |
| Address Proof | Utility bill or rental agreement |
| PAN Card | A copy of your PAN card is mandatory for all credit card applications. |
| Income Proof | Latest salary slips, bank statements, or Income Tax Returns (ITR) |
Earn up to 50 litres of free fuel annually through the fuel points accrued on your card. It is designed to reward every litre you fill at IndianOil pumps.
Earn 5% of your spends as HDFC Credit Card Reward Points at IndianOil outlets, groceries, and bill payments. Additionally, earn 1 Fuel Point for every ₹150 spent on all other purchases, including UPI transactions. Redeem Fuel Points for free fuel (1 FP = ₹0.96) or for catalogue products and cashback.
Joining Fee: ₹500 plus taxes for the primary card (Add‑on cards are free).
Annual Fee: ₹500, waived if you spend ₹50,000 or more in the preceding card membership year.
Fuel Surcharge Waiver: 1% waiver on all fuel transactions exceeding ₹400, with a maximum cashback of ₹250 per statement cycle.
The following charges apply as per HDFC Bank’s latest schedule (August 2026).
| Fee Type | Details |
|---|---|
| Joining Fee | ₹500 + taxes (primary card). Add‑on card: Nil. |
| Annual Fee | ₹500 + taxes; waived on annual spends of ₹50,000 and above. |
| Finance Charges | Interest is charged on revolving balances as per HDFC Bank’s prevailing rates. |
| Fuel Surcharge | 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, up to a maximum of ₹250 per statement cycle. |
| Cash Advance Charges | 2.5% of the amount withdrawn, subject to a minimum of ₹500. |
| Foreign Currency Mark-up Fee | 3.5% on all international transactions. |
Applicants must be between 21 and 60 years of age. Self‑employed individuals can be up to 65 years old.
Salaried applicants should have a minimum annual income of ₹3 lakhs. Self‑employed individuals need an annual income of at least ₹4.5 lakhs.
Both salaried and self‑employed individuals are eligible, provided they have a stable income source.
A credit score of 750 or above is recommended to improve your chances of approval.
Log in to your HDFC Bank NetBanking account, go to the ‘Credit Cards’ section, select the activation option, and follow the prompts.
Call the HDFC Bank 24‑hour customer care number, verify your identity, and request card activation over the phone.
Download the HDFC Bank mobile app, log in, and tap on ‘Card Activation’ under the ‘Cards’ menu. Follow the on‑screen instructions.
Use the complimentary IndianOil XTRAREWARDS Program (IXRP) membership to convert your Fuel Points into free fuel at over 20,000 IndianOil outlets across India. (1 Fuel Point = ₹0.96).
Log in to HDFC Bank NetBanking, navigate to the ‘Credit Cards’ section, and redeem your Fuel Points for a wide range of products from the catalogue. (1 Fuel Point = up to ₹0.20).
You can also redeem Fuel Points as cashback on your credit card statement. Each Fuel Point is worth ₹0.20 when redeemed as cashback.
Earn up to 25% cashback on Airtel Mobile, Broadband & DTH recharges through Airtel App.
*T&C apply
