HDFC Bank
Platinum · IndianOil
IndianOil HDFC Bank Credit Card
HDFC Bank
Save up to 5% on fuel at IndianOil pumps
Annual Fee
₹500
Joining Fee
₹500
Reward Rate
1.0%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹4,410
Total Annual Benefits
₹5,000
Total Annual Charges
₹590
ROI
747%
Fee Waiver Available
Annual fee waived on spending ₹50,000 in the preceding year — ₹50,000 annual spend
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Fuel Benefits (3)
IndianOil Fuel Points
5% fuel points on fuel purchases at IndianOil outlets
- • Valid at IndianOil outlets only
- • Fuel points redeemable for free fuel
5% fuel points
Fuel Points on All Spends
1% fuel points on all other retail purchases
1% fuel points
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹400–₹5,000 at IndianOil
- • Valid on transactions ₹400–₹5,000
- • Max ₹250 per statement cycle
- • At IndianOil outlets only
1% waiver
₹3,000/yr
Reward Points (1)
XTRAREWARDS Program
Earn XTRAREWARDS points on IndianOil fuel and LPG purchases
- • Valid at IndianOil outlets and for HP gas
XTRAREWARDS
Reward Program
Program
IndianOil Fuel Points
5% on IndianOil fuel, 1% other
Effective cashback: 1.00%
Points expire: 2 years from date of accrual
Redemption Options
- → Free fuel at IndianOil outlets (1 fuel point = ₹1)
- → XTRAREWARDS redemption at IndianOil pumps
Bonus Categories
IndianOil
5x multiplier
5% fuel points at IndianOil
Milestone Bonuses
500 bonus fuel points on spending ₹50,000 on fuel annually
Spend ₹50,000 annually
500 fuel points
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹500 Excluding GST |
| Annual Fee | ₹500 Excluding GST |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.75%
- Late Payment Fee
- ₹1,300
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹250
- Other Bank Withdrawal
- ₹250
- Intl. Withdrawal Fee
- 2.5% + ₹250
Fuel Surcharge Waiver
1% waiver on transactions between ₹400 – ₹5,000. Max waiver: ₹250/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹20,000
- Min. Annual Income
- ₹2,40,000
- Min. Credit Score
- 650
- Age Range
- 21 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Gross Monthly Income > ₹20,000
- • Self-Employed: ITR > ₹2.4 Lakh p.a.
Transaction Limits
ATM Withdrawal / Day
₹30,000
POS & E-Commerce / Day
₹2,00,000
Contactless / Txn
₹5,000
Features
Contactless payments EMV chip security Add-on cards available EMI conversion facility XTRAREWARDS loyalty program IndianOil petrol pump acceptance
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12 months
Processing Fee
1%
Ready to Apply?
The IndianOil HDFC Bank Credit Card is a fuel co-branded credit card offering 5% fuel points on fuel purchases at IndianOil outlets and 1% fuel points...
More from HDFC Bank
HDFC Bank
Visa
HDFC Bank Business Regalia Credit Card
HDFC Bank
₹5,000/yr₹50,000/yr value
Reward PointsFuel Surcharge Waive...
HDFC Bank
Visa
HDFC Bank Corporate Credit Card
HDFC Bank
₹5,000/yr₹50,000/yr value
Reward PointsFuel Surcharge Waive...
HDFC Bank
DinersClub
HDFC Diners Club Black Metal Edition Credit Card
HDFC Bank
₹10,000/yr₹1,50,000/yr value
Unlimited Domestic &...Complimentary Member...Complimentary Golf G...
HDFC Bank
DinersClub
HDFC Diners Club Privilege Credit Card
HDFC Bank
₹2,500/yr₹30,000/yr value
Domestic Lounge Acce...International Lounge...5X Dining Rewards