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IndianOil HDFC Bank Credit Card

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IndianOil HDFC Credit Card

This HDFC credit card is good for those who want to save on fuel expenses. This card offers a free 50 litres of fuel every year. Additionally, you can avail a fuel surcharge waiver on your expenses for the entire year.

IndianOil HDFC Credit Card

If you’re looking for a premium card that offers perks worth splurging on, the HDFC Regalia Credit Card is the right choice for you.

    • Card Type: Entry-level
    • Best Suited for: Rewards & Cashback
    • Joining Fee: Rs. 500 
    • Renewal Fee:  Rs. 500 
  • Cash point: 0.25 PAISE

Best feature: 4 reward points on every Rs. 150 spent online

IndianOil HDFC Credit Card: Features and benefits

  • This credit card offers a plethora of benefits on your fuel transactions such as below. 

    Fuel benefits

    • Save on your fuel expenses as per the following details: 
    • If you spend 5% of your total spend at IndianOil outlets, During the first six months, you will be able to use up to 250 fuel points per month at IndianOil outlets. After that, your card issuer will allow you to use 150 fuel points per month. 
    • If you spend 5% of your spending on groceries and bill payments, you can earn 100 fuel points per month.
    • For every Rs. 150 spent on all other purchases, you will be able to generate 1 fuel point.
     

    Other Benefits

    1. Travel plus programme: Up to 50 litres of FREE fuel in a year.
    2. Milestone benefit: If you spend Rs. 20,000 or more in the first 90 days of being a member, you can get the first-year membership fee waived off.
    3. Renewal offer: If you have spent Rs. 50,000 or more in the previous year, you can get your renewal fee waived off!
    4. Fuel surcharge waiver: If you have a minimum transaction value of Rs. 400, you will receive a 1% surcharge waiver on your fuel transactions.

IndianOil HDFC Credit Card: Fees & Charges

      • Joining Fee: Rs. 500 (waived off on spending Rs. 20,000 in the first 90 days)
      • Annual fee: Rs. 500 (waived off on spending Rs. 50,000 in the previous year)
    • Finance Charges: 3.6% p.m. (43.2% p.a.)
    • Late Payment Charges for statement balance:
    1. Less than Rs. 100: Nil
    2. Rs. 100 to Rs. 500: Rs. 100
    3. Rs. 501 to Rs. 5,000: Rs. 500
    4. Rs. 5,001 to Rs. 10,000: Rs. 600
    5. Rs. 10,001 to Rs. 25,000: Rs. 800
    6. Rs. 25,001 to Rs. 50,000: Rs. 1,100
    7. More than Rs. 50,000: Rs. 1,300

IndianOil HDFC Credit Card: Eligibility & Documentation

  • The applicant must fulfil the eligibility criteria to apply for this credit card such as below:

      • Occupation: Salaried or Self-employed
      • Minimum Income for Salaried Applicants: Rs. 10,000 p.m
      • Minimum Income for Self-employed Applicants: ITR > Rs. 6 lakh p.a.
    • Documents required: 
    • Pan Card
    • Current address proof; Aadhar card, Voter ID card, Driving licence.
    • 3 months salary slip
    • 3 months bank statement

Why must you get this credit card?

  • If you wish to save on your fuel expenses then this is the excellent credit card choice for you as it offers a wide variety of features and benefits, especially in the fuel category. You can easily earn 5% of your expenses as fuel points at IndianOil outlets. You can also earn 50 litres of free fuel annually by utilising this helpful  credit card.