IndianOil HDFC Bank Credit Card

The IndianOil HDFC Bank Credit Card – Fuel Credit Card is a great option for people who often spend on fuel, helps users save on fuel expenses, offering rewards and discounts that make it especially beneficial for those who drive frequently. Here is a simple detail of card features, benefits, and application process.

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Benefits IndianOil HDFC Bank Credit Card

Fuel Points: Earn points on purchases which can be redeemed for free fuel.
Get 5% fuel points on IndianOil fuel purchases (max 250 points/month for first six months, then 150 points).
5% fuel points on groceries and bill payments (up to 100 points for each category per month).
1 point per Rs. 150 spent on other categories.
1 Fuel Point = 96 Paise for redemption at IndianOil.
Free Fuel: Accumulate up to 50 liters of free fuel annually from reward points.
Fuel Surcharge Waiver: Save on fuel purchases with a 1% surcharge waiver for transactions above Rs. 400 (up to Rs. 250 cashback each month).
XTRAREWARDSTM Membership: Complimentary membership for additional benefits at IndianOil.
Zero Liability for Lost Card: Report a lost card to avoid any fraudulent charges.
SmartEMI Option: Convert purchases to EMIs with flexible repayment periods.
Contactless Payment: Quick, secure transactions for up to Rs. 5,000 without a PIN.

Fees & Charges HDFC Fuel Credit Card:

Joining Fee: Rs. 500 + taxes as per government norms.
Annual Fee: Rs. 500 + taxes, waived if you spend Rs. 50,000 in the first year.
Interest on Revolving Credit: 3.49% per month.
Other Fees: Inclueded late payment, cash advance, over-limit, and foreign transaction fees.

Eligibility HDFC Indian oil Credit Card:

Salaried: Age 21-60 years, minimum monthly income Rs. 10,000.
Self-employed: Age 21-65 years, minimum annual income Rs. 6 lakhs.

Required Documents HDFC Indian oil Credit Card:

Address Proof: Aadhaar, Passport, Ration Card, or Voter ID.
ID Proof: Aadhaar, Passport, or Driver’s License.
Income Proof: Salary slips or latest ITR.

How to Apply for HDFC Indian oil Credit Card:

Go to the HDFC Bank credit card page.
Choose ‘HDFC’ under the Credit Cards section.
Click on Apply Now and fill out your details.
Verify your mobile with OTP, and complete the application with help from a representative.

This card offers cost-effective fuel rewards, making it ideal for frequent drivers seeking fuel savings and everyday benefits.

The IndianOil HDFC Bank Credit Card is a fuel-focused credit card designed to help users save on fuel expenses, offering rewards and discounts that make it especially beneficial for those who drive frequently. Here’s an easy breakdown of the card’s features, benefits, and application process.

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Features and Benefits of IndianOil HDFC Bank Credit Card

Fuel Points: Earn points on every transaction, which can be redeemed as fuel.

5% Fuel Points for transactions at IndianOil outlets (max 250 points/month for the first six months, then 150 points).
5% Fuel Points on groceries and bill payments (up to 100 points per month in each category).
1 Fuel Point for every Rs. 150 spent in other categories.
1 Fuel Point = 96 Paise when redeemed at IndianOil.

Free Fuel: Accumulate up to 50 liters of fuel per year from the reward points.
Fuel Surcharge Waiver: Enjoy a 1% surcharge waiver on fuel purchases at all fuel stations, for transactions over Rs. 400 (up to Rs. 250 cashback per month).
Complimentary IndianOil XTRAREWARDSTM Membership: This membership gives you extra benefits when you spend at IndianOil outlets.
Annual Fee Waiver: Spend Rs. 50,000 in the first year, and your renewal fee is waived.
Zero Lost Card Liability: If you lose your card and report it immediately, you won’t be responsible for any unauthorized charges.
SmartEMI Facility: Convert your purchases into EMIs (6 to 24 months) at competitive rates.
Contactless Payments: Enabled for quick and secure transactions up to Rs. 5,000 without entering a PIN.

Fees & Charges

Joining Fee: Rs. 500 + taxes.
Renewal Fee: Rs. 500 + taxes, waived if you spend Rs. 50,000 in the first year.
Revolving Credit Interest: 3.49% per month.
Other Charges: Included late payment, cash advance, foreign transactions, and over-limit fees.

Eligibility Criteria

Salaried Individuals: Age 21-60, minimum monthly income of Rs. 10,000.
Self-Employed Individuals: Age 21-65, annual income of at least Rs. 6 lakhs as per latest ITR.

Required Documents

Address Proof: Aadhaar, Passport, Ration Card, or Voter ID.
ID Proof: Aadhaar, Passport, or Driver’s License.
Income Proof: Salary Slips or latest ITR.

How to Apply Online

Go to the HDFC Bank credit card page.
Choose ‘HDFC’ under the Credit Cards section.
Click on Apply Now and fill out your details.
Verify your mobile with OTP, and complete the application with help from a representative.

The credit limit of the IndianOil HDFC card depends on factors like your income, credit score, and relationship with HDFC Bank. You can also increase your limit by maintaining a good credit score, paying dues on time, and updating any income changes with HDFC.