The Indian Oil HDFC Credit Card is a co-branded fuel and rewards credit card designed for individuals who frequently spend on fuel, groceries, utility bills, and everyday retail purchases. Offered in partnership with IndianOil, this credit card helps users maximize savings on fuel expenses through accelerated Fuel Points and surcharge waivers. Cardholders can earn up to 50 litres of free fuel annually, along with rewards on grocery shopping and utility payments. With additional features such as contactless payments, Smart EMI conversion, and up to 50 days of interest-free credit, the card is ideal for commuters and frequent vehicle users seeking value on daily expenses.
Overview of the Indian Oil HDFC Credit Card
The Indian Oil HDFC Bank Credit Card combines fuel savings, rewards, and lifestyle benefits for regular drivers and everyday spenders.
| Feature | Details |
| Card Type | Fuel and Rewards Credit Card |
| Best Suited For | Fuel, grocery, and utility bill payments |
| Reward System | Fuel Points |
| Welcome Benefit | ₹250 voucher upon activation and first transaction |
| Fuel Benefit | Up to 50 litres of free fuel annually |
| Fuel Surcharge Waiver | 1% waiver on eligible fuel spends |
| Membership Benefit | Complimentary IndianOil XTRAREWARDS™ Membership |
| Interest-Free Period | Up to 50 days |
| Contactless Payment | Available |
| EMI Facility | Smart EMI available |
The card is suitable for customers looking to reduce fuel expenses while earning rewards on daily transactions.
Eligibility Criteria for Indian Oil HDFC Credit Card
Applicants must satisfy HDFC Bank’s eligibility requirements related to age, income, and credit profile.
HDFC IOCL Card Eligibility For Salaried Individuals
- Applicant must be an Indian national.
- Age should be between 21 and 60 years.
- Minimum monthly income should exceed ₹12,000.
HDFC IOCL Card Eligibility For Self-Employed Individuals
- Applicant must be an Indian national.
- Age should be between 21 and 65 years.
- Annual Income Tax Return (ITR) should exceed ₹6 lakh.
Additional Eligibility Conditions for HDFC IOCL Card
- Applicants should maintain a good credit score and repayment history.
- Stable employment or business profile is preferred.
- Existing HDFC Bank customers may have improved approval chances.
- Final approval depends on HDFC Bank’s internal credit assessment and verification.
Also Read: Best Fuel Credit Cards in India
Documents Required for Indian Oil HDFC Bank Credit Card
Applicants are required to submit identity, address, and income proof documents during the application process.
Identity Proof Documents
Applicants can submit any one of the following:
- PAN Card
- Aadhaar Card
- Passport
- Voter ID
- Driving Licence
Address Proof Documents
Accepted address proof documents include:
- Aadhaar Card
- Passport
- Utility bills
- Rental agreement
- Bank statements
- Voter ID
Income Proof For Salaried Individuals
- Latest salary slips
- Form 16
- Salary account bank statements
Income Proof For Self-Employed Individuals
- Income Tax Returns (ITR)
- Business proof
- Audited financial statements
- Business bank account statements
Additional Documents for HDFC IOCL Credit Card
- Passport-size photographs
- Existing credit card statement, if applicable
- Additional documents requested by HDFC Bank
Applicants may also be required to complete Video KYC during the application process.
Also Read: Swiggy HDFC Credit Card
Indian Oil HDFC Bank Credit Card Fees & Charges
The Indian Oil HDFC Bank Credit Card comes with affordable fees and spending-based renewal fee waiver benefits.
| Type of Fee | Amount/Details |
| Joining Fee | ₹500 + applicable taxes |
| Renewal Fee | ₹500 + applicable taxes |
| Renewal Fee Waiver | Spend ₹50,000 or more annually |
| Fuel Surcharge Waiver | 1% waiver on fuel spends between ₹400 and ₹5,000 |
| Fuel Waiver Cap | ₹250 per statement cycle |
| International Markup Fee | 3.5% on foreign currency transactions |
| Rental Transaction Fee | 1% fee on rental payments |
| Interest-Free Period | Up to 50 days |
| Cash Withdrawal Charges | Applicable as per HDFC Bank policy |
| EMI Conversion Facility | Available on eligible purchases |
The bank may revise charges periodically according to policy updates.
Steps to Apply for Indian Oil HDFC Credit Card
Customers can apply for the Indian Oil HDFC Bank Credit Card through HDFC Bank’s online or offline channels.
HDFC IOCL Credit Card Online Application Process
- Visit the official HDFC Bank credit card website.
- Select the Indian Oil HDFC Bank Credit Card.
- Enter your mobile number and Date of Birth or PAN.
- Verify your details using OTP.
- Fill in personal, professional, and income information.
- Upload required KYC and income documents, if requested.
- Complete Video KYC if applicable.
- Submit the application for verification and approval.
HDFC IOCL Offline Application Process
Applicants may also:
- Visit the nearest HDFC Bank branch.
- Request the credit card application form.
- Submit the completed form with the required documents.
- Complete verification formalities with bank representatives.
After approval, the card is dispatched to the registered communication address.
Also Read: Paytm HDFC Credit Card
Track Indian Oil HDFC Credit Card Application Status
Applicants can easily track their application status online through HDFC Bank’s tracking service.
Steps to Track Application Status
- Visit the official HDFC Bank website.
- Navigate to the “Track Your Credit Card” option.
- Enter the application reference number or registered mobile number.
- Complete OTP verification if required.
- Submit the details.
- View the current application status online.
Also Read: TATA Neu Credit Cards
Features & Benefits of HDFC Indian Oil Credit Card
The Indian Oil HDFC Bank Credit Card offers fuel rewards, cashback-style benefits, EMI flexibility, and security features.
Accelerated Fuel Points
Earn 5% Fuel Points on:
- Fuel purchases at IndianOil outlets
- Grocery spends
- Utility bill payments
Standard Reward Benefits
Earn 1 Fuel Point for every ₹150 spent on other eligible retail transactions.
Welcome Benefits
Receive a ₹250 voucher after:
- Card activation
- First transaction within 37 days
Complimentary IndianOil XTRAREWARDS™ Membership
Cardholders receive complimentary IXRP membership benefits.
Fuel Surcharge Waiver
- Get 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000.
- Maximum waiver capped at ₹250 per statement cycle.
Free Fuel Benefit
- Users can earn rewards equivalent to up to 50 litres of free fuel annually through Fuel Points redemption.
Interest-Free Credit Period
- Enjoy up to 50 days of interest-free credit from the purchase date.
Contactless Payment Technology
- Tap-and-pay enabled for transactions up to ₹5,000 without entering a PIN.
Smart EMI Facility
- Convert eligible purchases into easy monthly installments after purchase.
Zero Cost Liability Protection
- Protection against unauthorized transactions if reported immediately to HDFC Bank’s 24-hour call centre.
Fuel Point Redemption
- Fuel Points can be converted into XTRAREWARDS™ Points (XRP).
- XRP can be redeemed at participating IndianOil outlets for fuel purchases.
Fuel Point Value
- 1 Fuel Point = 3 XRP.
- The approximate value of 1 Fuel Point is around 96 paise during fuel redemption.
Reward Validity
Fuel Points remain valid for 2 years from the date of accrual.
Reward Caps
Accelerated rewards on grocery and utility spends are capped according to card terms and monthly limits.
Also Read: Marriott Bonvoy Credit Card
HDFC Credit Card Indian Oil Customer Care Number
HDFC Bank provides dedicated, 24/7 customer support channels to ensure that credit cardholders can report lost cards immediately, resolve queries, or access banking services at any time.
| Service Category | Customer Care Details |
| General Helpline (Across India) | 1800 1600 / 1800 2600 |
| International Helpline (Customers Abroad) | +91 22 61606160 |
| Dedicated Premium Support (Infinia, Diners Black, Imperia) | +91 22 61717606 |
| Service Helpline (Queries & Assistance) | 1800 258 5616 |
| Toll-Free Complaint Number (India Only) | 1800 258 3838 |
| Sales Enquiry | 1800 570 3888 |
| Credit Card Support Timings | 24 hours every day, including Sundays and Bank Holidays |
| General Banking Agent Support | 8:00 AM to 8:00 PM on all days |
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