HDFC Indian Oil credit card credit card
Joining Fee:

₹500 +GST

Return Percentage:

2% to 4%

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Credit Card Overview

A co-branded fuel card with Indian Oil, offering accelerated rewards on fuel purchases, surcharge waivers, and additional benefits on groceries and utilities.

Best Suited For: Brand Wallet, Cashback

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Fees and charges at a glance

Annual fee
₹500

Charged every year you keep the card

Joining fee
₹500

Paid once when you get the card, plus GST

Reward rate
2% to 4%

Depends where you spend

Forex markup
3.5%

Extra charge on foreign spends

Interest rate
45% p.a.

Only if you don't pay the full bill

Add-on card
Free

An extra card for family

HDFC Indian Oil credit card — Benefits and Offers

Memberships

  • IndianOil

    ndianOil XtraRewards Program (IXRP) membership

    Ongoing
    • Complimentary IndianOil XTRAREWARDS Program (IXRP) membership.
    How to use this
    1. To avail this benefit, ensure your IndianOil credit card is active. Spend ₹50,000 in the first year to earn a waiver on the renewal membership fee. Use your card at IndianOil outlets to accumulate Fuel Points, which can be redeemed for free fuel and other rewards through the IndianOil XTRAREWARDS program.