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The HDFC IndianOil Credit Card offers a unique rewards system designed to help cardholders save on fuel and other expenses. Here are the key details:

• Core Rewards:
  • Fuel Points at IndianOil Outlets: Earn 5% of your spending as Fuel Points at IndianOil outlets, with a maximum of 250 Fuel Points per month in the first 6 months, and a maximum of 150 Fuel Points per month thereafter.
  • Fuel Points on Groceries and Bill Payments: Enjoy 5% Fuel Points on your grocery and bill payment expenses, with a maximum of 100 Fuel Points per month in each category.
  • Other Transactions: Earn 1 Fuel Point for every Rs. 150 spent on all other transactions.
  • Dining Discounts: Save 2.5% on your dining bills.
• Rewards Rate: The card offers a reward rate of up to 4.8% on your spending, with 5% Fuel Points on fuel, groceries, and bill payments.
• Reward Redemption: Fuel Points earned through the HDFC IndianOil Credit Card can be redeemed in multiple ways:
  • Free Fuel at IndianOil Outlets using the complimentary IndianOil XTRAREWARDS Program (IXRP) membership, where 1 Fuel Point equals 96 Paise.
  • Redemption through net banking towards catalog products, where 1 Fuel Point equals 20 Paise.
  • Cashback on the credit card, where 1 Fuel Point equals 20 Paise.
• Travel, Golf, Lounge Access, and Insurance Benefits: The card does not offer specific travel, golf, domestic or international lounge access, or insurance benefits.
• Zero Liability Protection: Cardholders benefit from zero liability in case of any unauthorized transactions, provided the loss or theft is reported to the bank within 24 hours post-loss or theft.

• Core Rewards: Earn 5% Fuel Points at IndianOil outlets, groceries, and bill payments, and 1 Fuel Point per Rs. 150 on other transactions.
• Milestone Rewards: No specific rewards for monthly, quarterly, or annual spending milestones.
• Movie & Dining: Enjoy a 2.5% discount on dining bills.
• Rewards Rate: Get up to 5% of your spending as Fuel Points, with a reward rate of up to 4.8%.
• Reward Redemption: Redeem your Fuel Points for free fuel at IndianOil outlets, catalog products, or as statement cashback.
• Travel: No travel benefits, domestic or international lounge access.
• Golf: No golf benefits.
• Insurance Benefits: No insurance benefits offered.
• Zero Liability Protection: You are not liable for unauthorized transactions reported within 24 hours.
• Redemption Options: Redeem your Fuel Points on the IndianOil XTRAREWARDS portal for fuel, catalog products, or statement cash.
• Redemption Fee: Rs. 99 + GST applies for redemptions.
• Transfer Partners: No transfer partners available.
• Annual Fees: Vary depending on the card variant.
• Interest Rates: Standard interest rates apply.
• Fuel Surcharge: No specific details provided.
• Add-on Card Fee: Not mentioned.

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• Spend-Based Waiver: Renewal fee waiver on annual spends of Rs 50,000 or more in the previous year.
• Lifetime Free Card: Activate specific services within the first 90 days to make your card lifetime free.
• Fuel Surcharge Waiver: Get a 1% fuel surcharge waiver on fuel transactions over Rs 400, with a maximum cashback of Rs 250 per statement cycle.
• Fuel Rewards: Earn up to 5% fuel points on fuel expenses and 1% on groceries and bill payments.
• Redemption Options: Redeem fuel points for rebates or catalog purchases.
• Fuel Points Validity: Points are valid for two years.
• Lost Card Liability: No personal liability for unauthorized transactions when you report a lost or stolen card.
• Interest-Free Period: Enjoy a 50-day interest-free period from the date of card purchase.

• Joining Fee: Rs. 500
• Annual Fee: Rs. 500
• Renewal Fee Waiver: Based on annual spending
• Interest Rate: 3.6% per month (43.2% per annum)
• Rewards Redemption Fee: Rs. 99 + taxes per request
• Foreign Currency Markup: 3.5%
• Fuel Surcharge Waiver: 1%
• Cash Advance Charges: 2.5% with a minimum of Rs. 500
• Add-on Card Fee: Nil
• Late Payment Charges: Vary based on the outstanding amount