IndianOil HDFC Bank Credit Card

8.2

Expert ScoreRead review

Fees

Joining Fee

Rs. 500 (plus applicable taxes)

Renewal Fee

Rs 500 (plus applicable taxes)

Best Suited For

Fuel

Reward Type

Reward Points

Welcome Benefits

N/A

Complimentary IndianOil XTRAREWARDS Program membership.
1st-year membership fee waiver on spends of Rs 20,000 or above in the first 90 days with IndianOil HDFC Bank Credit Card.
Renewal fee waiver on annual spends of Rs 50,000 and above in the previous year.
5% of spends as Fuel Points at IndianOil outlets, groceries, and bill payments.
1 Fuel Point on every Rs 150 spent on all other purchases.
Up to 50 liters of free fuel annually using an IndianOil HDFC Bank credit card.
Saving of 2.5% on dining.
Fuel surcharge of 1% waived on all fuel transactions at all fuel stations across India.

HDFC BANK

Category: Credit Cards Tag: Indian Oil

Reward Type

Reward Points

Renewal Fee

500 (plus applicable taxes)

Joining Fee

500 (plus applicable taxes)

Type of Card

Cashback

Welcome Benefits

N/A

USP of Card

Fees

Joining Fee

Rs. 500 (plus applicable taxes)

Renewal Fee

Rs 500 (plus applicable taxes)

Best Suited For

Fuel

Reward Type

Reward Points

Welcome Benefits

N/A

Complimentary IndianOil XTRAREWARDS Program membership.
1st-year membership fee waiver on spends of Rs 20,000 or above in the first 90 days with IndianOil HDFC Bank Credit Card.
Renewal fee waiver on annual spends of Rs 50,000 and above in the previous year.
5% of spends as Fuel Points at IndianOil outlets, groceries, and bill payments.
1 Fuel Point on every Rs 150 spent on all other purchases.
Up to 50 liters of free fuel annually using an IndianOil HDFC Bank credit card.
Saving of 2.5% on dining.
Fuel surcharge of 1% waived on all fuel transactions at all fuel stations across India.

Fees & Charges

Spend Based Waiver

The renewal fee will be waived off on the basis of the amount spent using the credit card.

Interest Rates

3.6% per month (or 43.2% per annum)

Cash Advance Charges

3.5% of the transaction amount

Rewards Redemption Fee

Rs. 99 per redemption request

Fuel Surcharge

On a minimum fuel transaction of Rs. 400, you will get a fuel surcharge waiver of 1%.

Foreign Currency Markup

2.5% of the amount withdrawn subject to a minimum charge of Rs 500.

Late Payment Fee

Add-on Card Fee

Nil

Rewards & Benifit

Movie & Dining offers

Save 2.5% on your dining bills.

Reward Redemption

Fuel Points redeemable for Free Fuel using the complimentary IndianOil XTRAREWARDS Program (IXRP) membership at IndianOil outlets (1 FP = 96 Paise),

Zero Liability Protection

Zero liability of credit cardholders against any unauthorized transaction if the loss or theft is reported to the bank within 24 hours post-loss or theft.

Rewards Rate

5% of spends as Fuel Points at IndianOil outlets, groceries, and bill payments, 1 Fuel Point on every Rs. 150 spent on all other purchases, reward rate of up to 4.8%

Travel

Online Shopping offers

Up to 50 liters of free fuel annually using an IndianOil HDFC Bank credit card. Saving of 2.5% on dining.

Insurance Benefits

N/A

Domestic Lounge Access

N/A

International Lounge Access

N/A

8.2Expert Score

Fees

Joining Fee

Rs. 500 (plus applicable taxes)

Renewal Fee

Rs 500 (plus applicable taxes)

Best Suited For

Fuel

Reward Type

Reward Points

Welcome Benefits

N/A

Complimentary IndianOil XTRAREWARDS Program membership.
1st-year membership fee waiver on spends of Rs 20,000 or above in the first 90 days with IndianOil HDFC Bank Credit Card.
Renewal fee waiver on annual spends of Rs 50,000 and above in the previous year.
5% of spends as Fuel Points at IndianOil outlets, groceries, and bill payments.
1 Fuel Point on every Rs 150 spent on all other purchases.
Up to 50 liters of free fuel annually using an IndianOil HDFC Bank credit card.
Saving of 2.5% on dining.
Fuel surcharge of 1% waived on all fuel transactions at all fuel stations across India.

Best values score

8.2

8.2Expert Score

Fees

Joining Fee

Rs. 500 (plus applicable taxes)

Renewal Fee

Rs 500 (plus applicable taxes)

Best Suited For

Fuel

Reward Type

Reward Points

Welcome Benefits

N/A

Complimentary IndianOil XTRAREWARDS Program membership.
1st-year membership fee waiver on spends of Rs 20,000 or above in the first 90 days with IndianOil HDFC Bank Credit Card.
Renewal fee waiver on annual spends of Rs 50,000 and above in the previous year.
5% of spends as Fuel Points at IndianOil outlets, groceries, and bill payments.
1 Fuel Point on every Rs 150 spent on all other purchases.
Up to 50 liters of free fuel annually using an IndianOil HDFC Bank credit card.
Saving of 2.5% on dining.
Fuel surcharge of 1% waived on all fuel transactions at all fuel stations across India.

Best values score

8.2

Specification: IndianOil HDFC Bank Credit Card

Bank Name	HDFC Bank
Type of Credit Card	Cashback
Joining Fees	500 (plus applicable taxes)
Renewal fees	500 (plus applicable taxes)
Best Suited for	Fuel
Reward Type	Reward Points
Welcome Benifits	N/A
Movie & Dining Offers	Save 2.5% on your dining bills.
Travel Offers	NA
online shopping offers	Up to 50 liters of free fuel annually using an IndianOil HDFC Bank credit card. Saving of 2.5% on dining.
Reward redemption	Fuel Points redeemable for Free Fuel using the complimentary IndianOil XTRAREWARDS Program (IXRP) membership at IndianOil outlets (1 FP = 96 Paise),
Reward Rate	5% of spends as Fuel Points at IndianOil outlets, groceries, and bill payments, 1 Fuel Point on every Rs. 150 spent on all other purchases, reward rate of up to 4.8%
Domestic Lounge Access	N/A
International lounge access	N/A
Insurance Benifits	N/A
Zero liability protection	Zero liability of credit cardholders against any unauthorized transaction if the loss or theft is reported to the bank within 24 hours post-loss or theft.
Spend based waiver	The renewal fee will be waived off on the basis of the amount spent using the credit card.
Reward redemption charges	Rs. 99 per redemption request
Foreign currency markup Charges	3.5% of the transaction amount
Interest Charges	3.6% per month (or 43.2% per annum)
Fuel Surcharges	On a minimum fuel transaction of Rs. 400, you will get a fuel surcharge waiver of 1%.
Cash advance charges	2.5% of the amount withdrawn subject to a minimum charge of Rs 500.
Interest Free credit periods	50 Days
Add on card fee	Nil
ELIGIBILITY CRITERIA	for self employed citizen aged between 21 to 65 year muust have annual income 15 lakhs per year and for saloaried citizen must have gross monthaly income higher than 1 lakhs
Late Payment Fee	for self employed individuals should be between 21 years and 65 years of age, with a minimum annual income of Rs. 6 lakhs.
Partner Discounts	2% on other spends on Paytm.
Reward offer savings	he cardholder has to buy any 2 products/ 2 bills via SmartPay or 1 product and 1 bill via SmartPay.
USP of Card	5% of spends as Fuel Points at IndianOil outlets, groceries, and bill payments.
BestValue Score	8.2

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IndianOil HDFC Bank Credit Card

Fees

Joining Fee

Renewal Fee

Best Suited For

Reward Type

Welcome Benefits

IndianOil HDFC Bank Credit Card

Fees

Joining Fee

Renewal Fee

Best Suited For

Reward Type

Welcome Benefits

Reward Type

Renewal Fee

Joining Fee

Type of Card

Welcome Benefits

USP of Card

Fees

Joining Fee

Renewal Fee

Best Suited For

Reward Type

Welcome Benefits

Fees & Charges

Spend Based Waiver

Interest Rates

Cash Advance Charges

Rewards Redemption Fee

Fuel Surcharge

Foreign Currency Markup

Late Payment Fee

Add-on Card Fee

Rewards & Benifit

Movie & Dining offers

Reward Redemption

Zero Liability Protection

Rewards Rate

Travel

Online Shopping offers

Insurance Benefits

Domestic Lounge Access

International Lounge Access

Fees

Joining Fee

Renewal Fee

Best Suited For

Reward Type

Welcome Benefits

Fees

Joining Fee

Renewal Fee

Best Suited For

Reward Type

Welcome Benefits

Specification: IndianOil HDFC Bank Credit Card

User Reviews

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