Fuel Credit Card - Indian Oil Credit Card

Fuel Points

• Earn up to 50 Litres of Free fuel annually 
• Earn 5% of your spends as Fuel Points at IndianOil outlets (Applicable on card swipes, 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 (applicable on POS and Ecomm transactions) (Max 100 Fuel Points per month on each category)                                 
• Earn 1 Fuel Point for every ₹150 spent on all other purchases (including UPI transactions). Click here for fuel points on UPI transactions on IOCL card.

• Complimentary IndianOil XTRAREWARDS^TM Program (IXRP) membership
  
  
• Revolving Credit : Enjoy Revolving Credit on your IndianOil HDFC Bank Credit Card at nominal interest rate. Please refer to the Fees and Charges section.
  
  
• Zero Lost card liability : In the unfortunate event of you losing your IndianOil HDFC Bank Credit Card, report it immediately to our 24-hour call centre. After reporting the loss, you have zero liability on any fraudulent transactions made on your Credit Card.
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• Interest Free Credit Period : Up to 50 days of interest free period on your IndianOil HDFC Bank Credit Card from the date of purchase (subject to the submission of the charge by the Merchant)

1% Fuel Surcharge waiver at all fuel stations across India
​​​​​​​(on minimum trasaction of ₹400. Max CashBack of ₹250 per statement cycle)

Spend ₹50,000 and above in the first year and get a waiver on the renewal membership fee 

IndianOil HDFC Bank Credit Card comes with an option to convert your big spends into EMI after purchase. To know more click here.

• The IndianOil HDFC Bank Credit Card is enabled for contactless payments, facilitating fast, convenient and secure payments at retail outlets. 
• To see if your credit card is contactless, look for the contactless network symbol  on your card
  
  (Please note that in India, payment through contactless mode is allowed for a maximum of ₹5000 for a single transaction where you are not asked to input your Credit Card PIN. However, if the amount is higher than or equal to ₹5000, the Card holder has to enter the Credit Card PIN for security reasons)

 Fuel Points Accrual :

• Fuel Point is an exclusive Rewards metric system created only for IndianOil HDFC Bank Credit Card holders. 
• Earn Fuel Points on retail spends with the IndianOil HDFC Bank Credit Card 
• Earn accelerated 5% Fuel Points on spends at IndianOil outlets, Groceries and Bill payments.
  
  (Accelerated 5% Fuel Points benefit will be given only for fuel transactions on IndianOil Retail Outlets.)

Fuel Point Redemption :

• Redeem Fuel Points for Free Fuel using the complimentary IndianOil XTRAREWARDS^TM 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

Fuel Points Validity:

• Fuel Points are valid for a period of 2 years. 

1. Redemption of Reward Points to Cashback and Travel categories will be capped at 50,000 points per month per customer
   
   
2. Accrual of Reward Points on Grocery Spends will be capped at 100 points per month per customer
   
   
3. There will be no Reward Points accrual on Spends made on Rental and Government category payments
   
   
4. 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.)