ELIGIBILITY CRITERIA
• Indian resident nationality required.
• Salaried: Age 21–60 years, gross monthly income ≥ ₹12,000.
• Self-employed: Age 21–60 years, ITR > ₹6 lakh per annum.
• Not specified on the official page: Minimum credit score requirements and other documentation details.
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WELCOME BENEFITS
• Complimentary IndianOil XTRAREWARDS Program (IXRP) membership.
• Activation benefit: ₹250 voucher on first transaction within 37 days.
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CARD REVIEW
The IndianOil HDFC Bank Credit Card is best suited for drivers and regular commuters who fuel up often and spend on groceries and recurring bills. Its standout value lies in the strong fuel rewards program — particularly the accelerated 5% Fuel Points at IndianOil outlets and category spends — and the opportunity to redeem points toward free fuel. The card also offers practical benefits like fuel surcharge waivers, contactless payments, and virtual benefits such as interest-free credit access.
However, annual/renewal fees apply and rewards are capped monthly, so the value depends on consistent use in relevant categories. Individuals with low fuel or grocery spend may find less value compared to general cashback or travel-focused cards. Overall, it’s a solid choice for everyday spenders focused on fuel savings.
