IndianOil HDFC Credit Card

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Features & Benefits 

Rewards Points/Fuel Points

    • Earn 5% of your spends as Fuel Points at IndianOil outlets (Max 250 Fuel Points per month in first 6 months, Max 150 Fuel Points post 6 months from card issuance)
    • Earn 5% of your spends as Fuel Points on Groceries and Bill Payments (Max 100 Fuel Points per month on each category)
    • Earn 1 Fuel Point for every ₹150 spent on all other spends including fuel spends at other than IndianOil Outlets.
    • There will be no Reward Points accrual on Spends made on Rental and Government category payments.
    • Reward Points are valid for 2 years.

Fuel Surcharge Waiver

    • 1% fuel surcharge waiver at all fuel stations across India (on minimum transaction of ₹400. Max CashBack of ₹250 per statement cycle)

Reward Points Redemption

  • Redeem Fuel Points for Free Fuel using the complimentary IndianOil XTRAREWARDSTM Program (IXRP) membership. Redemption at participating IndianOil Petrol Outlet by converting Fuel Points into XRP (where 1 FP = 96 Paise). Click here to know more
  • To locate your nearest IndianOil Petrol Outlet, click here Redeem Fuel Points through NetBanking towards catalogue products (where 1 FP = upto 20 paise)
  • Redeem Fuel Points as CashBack on your IndianOil HDFC Bank Credit Card. (Cashback Redemption against Statement balance where 1 FP = 20 Paise)


  • Cost per Point (in Rs.)

    IOCL Fuel Points (in Rs.)

    Product Catalogue

    Cash back

    Upto 0.20

    0.20

    1 Fuel Point = 3 XtraRewards Point (XRP)
    1 XRP = 0.32
    1 Fuel Point = 0.96



  • Points + Pay - A maximum of 70% can be paid using Reward Points and the other 30% to be made by payment modes(Cash/Cards/UPI etc.)

Verdict

Though HDFC IndianOil Card gives 5% Fuel points Maxcap of 150 makes it quiet unattractive. Its good only for spends of 3000 with cost of fuel shooting sky high better off this card. The reward redemption process is also cumbersome. There better cards in the market. 


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