Welcome Benefits

Other Benefits

• Fuel Points Earning:
  • 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.
• Fuel Points Redemption:
  • 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 credit card (1 FP = 20 paise).

The IndianOil HDFC Bank Credit Card offers a range of benefits for cardholders, particularly those who frequently refuel at IndianOil outlets. Here are some of the key highlights:

• Free Fuel Annual Benefit: Earn up to 50 litres of free fuel annually through the fuel points accrued on your card spends.
• Fuel Points Accrual: Earn 5% of your spends as Fuel Points at IndianOil outlets, groceries, and bill payments, with a maximum of 250 Fuel Points per month in the first 6 months and 150 Fuel Points post 6 months from card issuance. Additionally, earn 1 Fuel Point for every ₹150 spent on all other purchases, including UPI transactions.
• Fuel Surcharge Waiver: Enjoy a 1% fuel surcharge waiver on all fuel transactions exceeding ₹400 at all fuel stations across India, with a maximum cashback of ₹250 per statement cycle.
• Interest-Free Credit Period: Benefit from up to 50 days of interest-free credit on purchases from the date of purchase, subject to the submission of the charge by the merchant.
• Revolving Credit: Access revolving credit at a nominal interest rate for added financial flexibility.
• Zero Lost Card Liability: Rest assured with zero liability on any fraudulent transactions made after reporting the loss of your card to the 24-hour call centre.
• Contactless Payments: Enjoy fast and secure contactless transactions up to ₹5,000 without the need for PIN input.
• Fuel Points Redemption: Redeem your Fuel Points for free fuel using the IndianOil XTRAREWARDS Program (IXRP) membership at a rate of 1 FP = 0.96 paise. You can also redeem Fuel Points through net banking towards catalogue products (1 FP = up to 0.20 paise) and as cashback on the credit card (1 FP = 0.20 paise).
• Complimentary Membership: Receive complimentary membership to the IndianOil XTRAREWARDS Program (IXRP).
• EMI Conversion: Easily convert big spends into EMIs after purchase for more manageable repayments.

To make an informed decision about applying for the IndianOil HDFC Bank Credit Card, it's essential to understand the associated fees and charges.

To activate your IndianOil HDFC Bank Credit Card, you can choose from several convenient options:

• Online Activation: Log in to your HDFC Bank NetBanking account, navigate to the 'Credit Cards' section, select the option to activate your new credit card, and follow the prompts to complete the activation process.
• Phone Activation: Call the HDFC Bank 24-hour customer care number, provide the required details to verify your identity, and follow the instructions provided by the customer service representative to activate your card.
• ATM Activation: Insert your card into an HDFC Bank ATM, select the 'Card Activation' option from the menu, enter your PIN, and follow the on-screen instructions to activate your card.
• Branch Activation: Visit your nearest HDFC Bank branch, submit the required documents, fill out the activation form, and the bank representative will assist you in activating your card.

Once your card is activated, you can start earning and redeeming valuable Fuel Points on your purchases.

Redeeming the Fuel Points earned on your IndianOil HDFC Bank Credit Card is a simple process, offering you multiple ways to enjoy the rewards:

• Redemption for Free Fuel: Use the complimentary IndianOil XTRAREWARDS Program (IXRP) membership to convert your Fuel Points into XTRAREWARDS Points (1 Fuel Point = 3 XRP; 1 XRP = Rs. 0.32). Redeem these points for free fuel at over 20,000 participating Indian Oil fuel outlets across India (1 Fuel Point = Rs. 0.96).
• Redemption through NetBanking: Log in to your HDFC Bank NetBanking account, navigate to the 'Credit Cards' section, and select the option to redeem Fuel Points. Choose from the catalogue products available for redemption (1 Fuel Point = up to 20 paise).
• Redemption as CashBack: Redeem your Fuel Points as cashback on your IndianOil HDFC Bank Credit Card statement, with each Fuel Point worth 20 paise when redeemed as cashback.

These redemption options allow you to maximize the benefits of your Fuel Points, making the IndianOil HDFC Bank Credit Card a highly rewarding choice for frequent fuel users.