Do the Indian Oil HDFC Credit card benefits include lounge access?

On the HDFC Indian Oil credit card, lounge access feature is not available.

Can I apply for an HDFC Indian Oil Credit card without an HDFC bank account?

Yes, you can apply for this card without having an HDFC bank account if you meet the eligibility criteria.

How do I redeem my accumulated fuel points on my HDFC Indian Oil Credit card?

You can opt for getting free fuel against your accumulated fuel points. Also, you can use these points to purchase catalogue products using netbanking of the bank or use them as cashbacks.

How do I check my HDFC Indian Oil Credit card balance?

You can check your card balance using HDFC netbanking or using the HDFC bank mobile app.

For how long do the fuel points on the card remain valid?

The fuel points you accumulate on your HDFC Indian Oil credit card remain valid for 2 years. Therefore, ensure you use them before they expire and reap the most benefits of the card.

HDFC Indian Oil Credit Card: Key Features, Eligibility, and Application

Name: HDFC IndianOil Credit Card
Brand: Credit Card
Rating: 4.9 (10197 reviews)

Worried about the rising fuel prices taking a chunk out of your savings every time you refuel your vehicle? The HDFC Indian Oil credit card brings you the opportunity to save big and earn 50 litres of fuel for free in a year.

Apart from swiping on Indian Oil fuel pumps, use this card for groceries and bill payments and earn reward points.

Key Features of the HDFC Indian Oil Credit Card

Get 5% of your total spend as fuel points at outlets of Indian Oil. Swipe this card at outlets and get up to 250 fuel points per month for the first 6 months. Earn 150 fuel points every month afterwards.
Pay for your groceries and bills, and earn up to 5% of your expenses as fuel points.
Spend ₹150 on other types of purchases and get 1 fuel point as a reward.
Get a complimentary membership of the ‘IndianOil XTRAREWARDSTM Program (IXRP)’ and earn ₹ 0.96 for 1 fuel point.

Add-on Benefits of HDFC Indian Oil Credit Card

Enjoy the facility of revolving credit at a nominal interest rate of 3.6% per month.
Enjoy an interest-free period of 50 days from the purchase date and save more.
The ‘Zero lost card liability’ benefit applies if your credit card gets stolen and you report it within 24 hours. You will bear no liability for fraudulent transactions afterwards.

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Eligibility Criteria to Get an HDFC Indian Oil Credit Card

To benefit from the Indian Oil HDFC Credit Card, you must first meet the eligibility requirements. Eligibility depends on factors such as your age, employment type, and income. Here is a detailed overview:

Type of Employment	Income	Age Limit
Salaried residents of India	Your net monthly income should be more than ₹12,000.	Your age must be between 21 and 60 years.
Self-employed Indian residents	Your annual Income Tax return amount must be beyond ₹6 lakh in a year.	Your age must be between 21 and 65 years.

Documents Required for HDFC Indian Oil Credit Card Application

You must prove your identity, your permanent residence in India and your income to get this card. To prove these, provide the following documents:

Produce a copy of your Voter ID Card, driving Licence or PAN Card for identity verification.
Provide a copy of your Aadhaar Card, utility bills of up to 3 months old, passport, etc., for address verification.
As proof of income, produce a copy of your latest salary slip, Form 16 or bank statements of the last 3 months.

Process to Apply for an HDFC Indian Oil Credit Card Online

Met the eligibility criteria? Follow this 5-step simple process and apply for this card:

Step 1: Head to the official website of HDFC Bank or click <a href="https://www.hdfcbank.com/" target="_blank" rel="nofollow noopener noreferrer">here</a>.

Step 2: Log in with your net banking credentials and under the ‘Personal’ tab, click on ‘Pay’.

Step 3: Select the ‘Credit Cards’ tab and choose the ‘HDFC Indian Oil Credit Card’.

Step 4: Choose ‘Apply now’, enter your registered mobile number and fill out the captcha.

Step 5: Upload all the necessary documents and submit.

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Applicable Fees and Charges for HDFC Indian Oil Credit Card

Taking a note of the HDFC Indian Oil credit card charges will help you to manage your card and financials efficiently and avoid last-minute surprises:

Types of Fees	Amount
Joining fee	₹500 (Waived off upon spending ₹20,000 on the card in the first 90 days).
Renewal fee	₹500 (Waived off if your annual spend is equal to or more than ₹50,000.)
Charges for cross-currency markup	3.5%
Fees for cash advances	A 2.5% charge is applicable on the withdrawn amount.
Late payment charges	Up to ₹1300.
Charges on rental transactions	1% of the entire transaction amount.

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