IndianOil HDFC Bank Credit Card

The IndianOil HDFC Bank Credit Card is purpose-built for frequent drivers and everyday spenders who want to turn routine expenses into meaningful fuel savings. With a joining and annual fee of just ₹500, the card offers an accessible entry point into a rewarding fuel-focused program. Cardholders receive a complimentary IndianOil XTRAREWARDS Program (IXRP) membership automatically, along with an INR 250 welcome voucher upon card activation and completion of the first transaction within 37 days of issuance. The card's core strength lies in its Fuel Points system, earning 5% of spends as Fuel Points at IndianOil outlets, as well as on groceries and utility bill payments. All other retail purchases earn 1 Fuel Point per ₹150 spent. These points can be redeemed for free fuel at participating IndianOil petrol outlets, catalogue products, or as cashback against the card statement. Cardholders can also enjoy a 1% fuel surcharge waiver at all Indian fuel stations on qualifying transactions. Beyond fuel, the card offers up to 50 days of interest-free credit, zero liability on fraudulent transactions when reported promptly, Smart EMI conversion options, and contactless payment capability. Spending ₹50,000 or more in the first year waives the renewal membership fee, making it an especially rewarding card for high-frequency fuel and daily spenders.