IndianOil HDFC Credit Card 2025 – Updated Fuel Savings & Cashback

Meet Rohan, who loves to explore new places in his car. He is a car enthusiast and a frequent driver. Rohan is famous in our city because he travels across India and is passionate about driving.

Rohan says in a “Travelling Podcast” that the IndianOil HDFC Credit Card maximised his fuel and daily expenses savings. He said, “I enjoy exclusive benefits and rewards that make my day more convenient and cost-effective. These features help me and motivate me to explore new places, travel to new cities, and enjoy my whole life as a traveller.”

Rohan tells How the IndianOil HDFC Credit Card is beneficial for me

• I filled up 250 liters of fuel every month, and I saved ₹1500 monthly and almost ₹18,000 annually.
• As an explorer, I spent ₹15,000 on groceries, dining, and shopping. So, I earned nearly 400 reward points monthly and 4,800 reward points annually, which costs ₹4,800.
• I watched two movies every month, saving 400 monthly and ₹4,800 annually.
• I saved ₹500 monthly on dining (annually ₹6,000).
•  Regarding my fuel surcharge, the waiver is around ₹10,000, which helps me save ₹100 monthly and ₹1,200 annually.
• Also, I get free roadside assistance twice a year, which allows me to save ₹1,000 annually on emergency services.

My Total Savings are almost ₹ 34,000+ per year!

What is an IndianOil HDFC Credit Card?

The IndianOil HDFC Credit Card works as a co-branded fuel credit card, made to benefit regular car users who enjoy daily spending activities. Fuel customers at IndianOil outlets get ₹5 savings per liter of their purchases, and everyone benefits from a 1% surcharge reduction at all petrol stations. 

Cardholders can collect 4 Reward Points for every ₹150 spent on fuel purchases, grocery shopping, eating out, and making purchases at selected stores. They can use these points to obtain fuel vouchers or swap for alternative rewards.

Key Features and Benefits of IndianOil HDFC Credit Card
 

Welcome Benefits

• As a new card member, you get 2,500 Reward Points whose value amounts to ₹1,000 through spending ₹10,000 during your first 90 days of card use.
• The Value of 1 Reward Point is 0.40. The 2,500 reward points are equal to ₹1,000.

How it works:

• New HDFC credit card holders must spend at least ₹10,000 during their first 90 days to receive the benefit.
• Your account receives 2,500 Reward Points after you reach the spending threshold when you can claim ₹1,000 worth of rewards.
  
  

Example: “Anu,” a new HDFC Credit Cardholder, makes the following transaction within the first 90 days:

Anu has spent ₹10,000. He received 2,500 reward points, and the monetary value of reward points is 2,500 x 0.40 = ₹1,000.

Fuel Surcharge Waiver

• The benefit includes a waiver of fuel charges up to ₹250 for each billing cycle at IndianOil retail fuel stations.
• The minimum Transaction is ₹400 or more to qualify for the waiver.
• The Surcharge Rate is typically 1% of the transaction amount.
• The Maximum Waiver Cap is ₹250 per statement cycle.
  
  

How it Works:

• At IndianOil petrol pumps, customers can benefit from a full fuel surcharge waiver worth ₹250 per statement cycle.
  
  
• The IndianOil HDFC Bank provides credit cardholders with the benefit of automatically refunding surcharge fees of up to ₹250 stemming from transactions worth more than ₹400 through each monthly statement cycle.
  
  

Example: Let's say “Anu” makes three transactions in a statement cycle at IndianOil Petrol Pump

Anu’s Total Savings:

• Total fuel purchase: ₹3,500
• Total surcharge waived: ₹35 (₹5 + ₹10 + ₹20)
• The total amount saved: ₹35

Key advice:

• To obtain the waiver, make fuel purchases worth ₹400 or more.
• You should consider your fuel expenses per statement cycle because the waiver limit stands at ₹250.
  
  

3.Accelerated Reward Points

• At IndianOil Outlets, the HDFC IndianOil Credit Card issues reward points worth 4 when customers purchase fuel. IndianOil outlets reward customers with 4 points for every ₹150 they spend on gasoline fuel.
  
  
• Reward points accumulate through every ₹150 non-fuel purchase at IndianOil outlets. Customers can receive 2 Reward Points whenever they make ₹150 non-fuel purchases, such as convenience store purchases, at IndianOil.
  
  

• The program of Reward Points that accumulate from every ₹150 spent on non-fuel transactions. You receive 1 reward point whenever you spend ₹150 on any transaction apart from fuel purchases.
  
  

How it Works:

• When you spend ₹150, you get points from Reward Points based on the currency transaction category.
• Customers can exchange their reward points for different rewards, such as gift vouchers for airlines and miles to statement credit options.

Example: Let’s say “Anu” makes the following transactions in a statement cycle:

• Transaction 1: Anu spends ₹1,500 on fuel at the IndianOil outlet. So, he earns 40 reward Points (₹1,500 / ₹150) x 4 = 40
• Transaction 2: Anu spends ₹750 on snacks or beverages at IndianOil outlets. So, he earns 10 reward points (₹750 / ₹150) x 2 = 10
• Transaction 3: Anu spends ₹3,000 on grocery shopping (not at IndianOil). So, he earns 20 reward points (₹3000 / ₹150) x 1 = 20
  
  

Key Advice:

• Boost your Reward Points by making purchasing decisions at IndianOil facilities with your HDFC credit card for both fuel and non-fuel products.
• You can earn 1 Reward Point whenever you make purchases that exceed ₹150.
• You can exchange Reward Points for three rewarding perks, including gift vouchers, air miles, and cashback benefits.
  
  

Discount on fuel

• The Discount Benefit enables cardholders to receive a 1% fuel surcharge savings on all Indian petrol stations, whether they operate under IndianOil or alternative organisations.
  
  
• A minimum transaction requirement exists for this benefit, where it becomes effective on payments exceeding specific amounts (e.g., ₹400 or above based on the card type).
  
  
• The waived charges have a fixed limit per billing period, which differs based on the card type (e.g., ₹250 or ₹500).

How it Works:

• The purchase of fuel at any Indian petrol pump through an IndianOil HDFC credit card will incur a 1% surcharge upon your statement.
• Customer transactions exceeding a minimum threshold (for example, ₹400) qualify HDFC to pay back surcharge fees directly to your credit card account within specified cost limits.
  
  

Example: Anu did the following transitions in a statement cycle at various petrol pumps:

Anu Total Savings:

• Total fuel purchased: ₹3,500
• Total surcharge waived: ₹35 (₹5 + ₹10 + ₹20)
• Total amount saved: ₹35

The total surcharge waived (₹35) is within the cap of ₹250; you get the full benefit.

Key Advice:

• A fuel purchase of at least ₹400 will allow you to use the waiver benefit.
• The maximum fuel benefit through this waiver is ₹250 per cycle; therefore, you need to strategise your fuel intake.

5.Easy EMI Conversion

Any purchase exceeding ₹2,500 made with the IndianOil HDFC Credit Card gets transformed into easy payment installments through the Easy EMI Conversion function. The IndianOil HDFC Credit Card allows you to select flexible repaying schedules (3, 6, 9, 12, 18, and 24 months) with affordable interest rates.

Customers benefit from this option, which supports online and offline deals to handle substantial expenses through manageable installment payments combined with Reward Points accumulation.

Global Acceptance

The IndianOil HDFC Credit Card operates at all merchants worldwide through the Visa network, which makes it highly suitable for global travel and internet purchases. IndianOil HDFC credit card users experience worldwide transaction ease that provides them flexibility and ease of use. 

IndianOil outlets and international purchases can be made smoothly through the payment solution offered by this card. Global merchant acceptance for Visa transactions makes this card advantageous to international travellers and online buyers because they can use it for secure purchases worldwide.

Eligibility Criteria For IndianOil HDFC Credit Card

The IndianOil Credit Card benefits require applicants to fulfill requirements and share relevant documents. The premium credit card suits individuals who demonstrate financial responsibility through a stable monetary background and a solid credit profile. 

Required Documents to Apply for IndianOil HDFC Credit Card

Your application requires these documents to finish the process:

• Identity Proof: Aadhaar card, PAN card, or passport.
• Address Proof: Utility bill, rental agreement, or Aadhaar card.
• Income Proof: Salary slips (last 3 months) or income tax returns (for self-employed individuals). 
• Passport-sized Photograph.

How to apply for an IndianOil HDFC Credit Card

Offline Application:

Step 1: Visit the nearest HDFC Bank branch. You can find your nearest HDFC Bank branch with the help of their Branch location.

Step 2: To initiate the application process, one should request an application form for credit cards from HDFC Bank branches.

Step 3:  Fill in the required details and attach the necessary documents, like address proof and income proof.

Step 4: After completing your form, submit it to the bank representative.

Step 5: Wait for 24 hours to 48 hours.

Step 6:  When HDFC Bank verifies your documents, the bank will approve your Credit Card.

Online Application:

Step 1: Visit the official HDFC Bank Official Website. Write in the Google search bar, “HDFC Bank Official website.”

Step 2: You will see these options when the website is open.

• HOME
• PAY
• SAVE
• INVEST
• BORROW
• INSURE
• OFFERS

Step 3: Move your cursor to the “Pay” button and click on it.

Step 4: You get a pop-up. Now, you will see more options. You will go to the Card option and select Credit Card Option.

Step 5: Now, you will see more credit cards. You can apply for an IndianOil HDFC Credit Card.

Fees of IndianOil HDFC Credit Card

The following charges are linked to this credit card:

Late Payment Fee

How to Check IndianOil HDFC Credit Card Statement and Balance?

There are several ways you can check your statement and balance.

• Via iMobile App:
  
  
  • Open the iMobile Pay app and log in.
  • Navigate to “Credit Cards” and select “Sapphiro Credit Card.”
  • View statement, due date, outstanding balance, and available balance.
    
    
• Via HDFC Net Banking:
  
  
  • Log in to HDFC Net Banking.
  • Select “Credit Cards” and then click on “View Statement.”
  • Download statements in PDF format.
    
    
• Via SMS Banking:
  
  
  • For Balance: Type CCBAL XXXX (replace XXXX with the last 4 digits of your card) and send it to 5676712.
  • For Mini Statement: Type CCMINI XXXX (replace XXXX with the last 4 digits of your card) and send it to 5676712.
  • Receive an instant balance update via SMS.

Conclusion

The IndianOil HDFC Credit Card offers an excellent choice for people who often buy fuel because it includes a 1% surcharge waiver at IndianOil stations and reward points for all purchases. Users gain cost-effective convenience from this card through its minimal joining fee and yearly fee, which may be waived by reaching spending thresholds.

Users need to watch the rates charged and fees for late payments. The IndianOil HDFC Credit Card presents a sensible choice for fuel cost reduction while managing everyday expenses; it benefits IndianOil customers exceptionally well. Always review terms for updates.

FAQs Related to IndianOil HDFC Credit Card

What are the benefits of the IndianOil HDFC Credit Card?

Enjoy a 1% fuel surcharge waiver at IndianOil outlets (up to ₹250 per statement cycle), reward points on all purchases, and discounts on dining, shopping, and travel.

How can I check my credit card balance or statement?

Use NetBanking, the HDFC Mobile App, SMS (CCBAL XXXX to 5676712), or a missed call to 1800-260-3456 for balance and statements.

What is the interest rate on unpaid balances?

The interest rate is 3.4% per month (approximately 40.8% annually) on unpaid balances if the bill is not paid in full by the due date.

How do I redeem reward points earned on this card?

Log in to HDFC NetBanking or the Mobile App, navigate to the rewards section, and redeem points for fuel vouchers, gift cards, or other options.

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