HDFC · Credit Card
HDFC Indian Oil Credit Card
Official product: IndianOil HDFC Bank Credit Card
- Fuel surcharge waiver at partner petrol pumps
- Extra rewards on fuel spends
Fees, rewards and eligibility shown below are decided solely by HDFC and can change without notice — always confirm current terms on the official page before applying.
Fees & Charges
- Joining Fee
- ₹500 + taxes
- Annual / Renewal Fee
- ₹500 + taxes
- Annual Fee Waiver Condition
- Not disclosed by issuer — check official card page
- Interest Rate / Finance Charge
- 3.6% per month (43.2% p.a.) on many current HDFC consumer cards; card-specific MITC/product terms prevail.
- Late Payment Charges
- As per current HDFC Bank MITC / statement balance slab; see official MITC for current slabs.
- Forex Markup Fee
- Not disclosed by issuer — check official card page
Rewards, Travel & Lifestyle
- Reward / Cashback Rate
- Up to 5% Fuel Points on eligible IndianOil, grocery and utility spends; approx. 0.7% value on other eligible spends.
- Reward / Cashback Cap
- Fuel Points caps: IOCL 250/month for first 6 months then 150/month; grocery 100/month; utilities 100/month.
- Welcome Benefits
- Not disclosed by issuer — check official card page
- Domestic Lounge Access
- Not disclosed by issuer — check official card page
- International Lounge Access
- Not disclosed by issuer — check official card page
- Lounge Unlock / Spend Condition
- Not disclosed by issuer — check official card page
- Fuel Surcharge Waiver
- IndianOil-specific accelerated Fuel Points plus surcharge benefit per product terms.
Eligibility & Documents
- Minimum Income / Eligibility
- Not disclosed by issuer — check official card page
- Age Eligibility
- Generally 18+; exact upper age / income is product and underwriting dependent.
- Employment Type
- Salaried / self-employed, subject to bank underwriting.
- Documents Required
- PAN, identity proof, address proof and income proof such as salary slips/Form 16/ITR/bank statements, as applicable.
Official Sources & Verification
Last verified: 2026-09-12. Verified from official source(s); undisclosed fields explicitly marked
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Before you apply
Frequently asked questions
What are the joining and annual fees for the HDFC Indian Oil credit card? ▾
Joining fee: ₹500 + taxes. Annual fee: ₹500 + taxes.
What rewards or cashback does the HDFC Indian Oil credit card offer? ▾
Up to 5% Fuel Points on eligible IndianOil, grocery and utility spends; approx. 0.7% value on other eligible spends. Cap: Fuel Points caps: IOCL 250/month for first 6 months then 150/month; grocery 100/month; utilities 100/month.
Who is eligible for the HDFC Indian Oil credit card? ▾
Generally 18+; exact upper age / income is product and underwriting dependent. Salaried / self-employed, subject to bank underwriting.