IndianOil HDFC Bank Credit Card

Fuel Benefits

• Earn 5% of your fuel spends as Fuel Points.
• At any IndianOil petrol pump, get up to 250 Fuel Points each month for the first 6 months.
• Post 6 months get 150 Fuel Points in a month.
• 1% fuel surcharge will be waived on all transactions ranging between Rs.400 and above.

Fuel Point Benefits

• For every Rs.150 spent on the card for other purchases, get 1 Fuel Point.
• On bill payments and groceries, get 5% of your spends as Fuel Points.

Milestone Benefits

• The renewal fee of Rs.500 will be waived if your annual spends exceed Rs.50,000 in a year.

Other Benefits

• First-year fee waiver on spends of Rs.20,000.
• Get automatic PayZapp activation by making 1 transaction valued at a minimum of Rs.500 within the first 90 days of card issuance.
• If registered from SmartPay, the card will be available for you for free.

IndianOil HDFC Bank Credit Card Limit

The credit limit for your IndianOil HDFC Bank card will be assigned at the discretion of the bank. HDFC Bank considers several factors before adding the credit limit to your credit card. Some of these factors are the credit score of the primary applicant, the credit report, the annual income, as well as, the repayment habits of past and ongoing debts.

Redemption of Fuel Points

You will not be receiving any reward points with the transactions made with this card as the other credit cards offered by the bank. However, you will be receiving Fuel Points for each transaction made since it is co-branded by Indian Oil Corporation.

The Fuel Points which is given to you can be redeemed as CashBack on your card. You can also redeem the Fuel Points to purchase products from the HDFC Rewards Catalogue.

Apart from this, the Fuel Points can also be redeemed for free fuel using the complimentary membership given to you for the IndianOil XTRAREWARDS Program.

IndianOil HDFC Bank Credit Card Fees and Charges

Eligibility Criteria of the IndianOil HDFC Bank Card

When you click the 'Apply Now' option on the website of HDFC Bank, you will have to submit a few primary details. Once done, the bank will check if you are eligible for a credit card and will get in contact with you.

The ideal eligibility criteria for the credit card is:

• The primary applicant must be a citizen of India.
• The age of the applicant must be between 18 and 70 years old.
• The age of the add-on applicant must be above the age of 15 years.

Documents Required to Apply for the IndianOil HDFC Bank Credit Card

You will need to submit several documents during the application procedure. Here are some of the documents which are required:

• Address Proof
  • Ration Card
  • Voter ID
  • Passport
  • Aadhaar card
• Proof of Identity
  • Passport
  • Driving License
  • Aadhaar card
• Proof of Income
  • Salary Slip
  • IT Returns
  • Form 16

The list of documents mentioned above is indicative. The bank may ask you to submit any other document during the application procedure or after depending on the requirement.

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