Question 1

What are Fuel Points?

Accepted Answer

Fuel Points are an exclusive Rewards metric system created only for IndianOil HDFC Bank Credit Cardholders. You earn Fuel Points on retail spends you make through your IndianOil HDFC Bank Credit Cards and accelerated Fuel Point accrual on key categories like your Fuel spends (Only* at IndianOil Retail outlets), Groceries and Utilities as mentioned in the Product Features and Benefits. *Accelerated 5% Fuel Points benefit will be given only for non-UPI transactions done at IndianOil Retail Outlets.

Question 2

What is a Fuel Credit Card?

Accepted Answer

IndianOil Credit Card is ideal for a frequent driver. This fuel credit card ensures significant savings on fuel purchases, offering practical benefits beyond your vehicle's needs. Apply online today to start maximising your savings on fuel and utility bills without any joining fee.

Question 3

What is IndianOil XTRAREWARDSTM PROGRAM that is mentioned in the Product Features?

Accepted Answer

IndianOil XTRAREWARDSTM PROGRAM is an exclusive Loyalty Rewards Program owned and run by Indian Oil Corporation Ltd. This Loyalty program rewards the customers enrolled with them by awarding XTRAREWARDTM Points (XRP) on every transaction at any IndianOil Retail Outlet and also allowing the Customer to redeem these accrued Points at participating IndianOil Retail Outlet for free fuel. IndianOil HDFC Bank Credit Cardholders will get this Membership automatically and for free along with their credit cards. Your Membership will stay valid even after close of this Card or upgrade/migration to another HDFC Bank Credit Card. However, you will no longer be able to convert Fuel Points to XTRAREWARD Points for Fuel Redemption.

Question 4

What is the Eligibility for an Indian Oil Credit Card?

Accepted Answer

For Salaried Individuals: Nationality: Indian national, Age: Min 21 years to Max 60 Years, Net Monthly Income> ₹10,000. For Self-Employed Individuals: Nationality: Indian national, Age: Min 21 years and Max 65 Years, Annual Income: ITR > ₹6 lakh per annum

Question 5

How do I redeem FP for free fuel?

Accepted Answer

To redeem Fuel Points for Free Fuel, Convert your accrued Fuel Points into XTRAREWARDTM Points (XRP), Use XRP at participating IndianOil Outlets for free fuel

Question 6

What are the documents required for a Fuel Credit Card application?

Accepted Answer

To apply for an IndianOil Credit Card, documents such as Identity proof, Address proof, bank statements, etc. may be required.

Question 7

What is the Annual Fee of IndianOil Credit Card?

Accepted Answer

The HDFC Bank Indian Oil Credit Card has a Joining Fee of ₹500, along with an annual fee of ₹500. Some cards may have no joining fees, with waivers based on specific criteria.

Question 8

I had logged into NetBanking to convert my Fuel Points into XTRAREWARDSTMPOINTS. My Fuel Points got deducted from my Card Account but I still haven't received my XTRAREWARDSTM POINTS. What do I do?

Accepted Answer

Please ensure that your latest mobile number is updated on IndianOil XTRAREWARDSTM Membership, else your redemption will not get processed successfully. With respect to Fuel Points, if your XTRAREWARDSTM POINTS are not credited to your XTRAREWARDSTM Program Account within 72 hours, then your Fuel Points will be credited back into your Credit Card account within 7-10 business days. XRP can be tracked on https://www.xtrarewards.com or from the POS Terminal at the participating IndianOil Retail Outlet.

Question 9

I already have an existing XTRAREWARDS Program Customer ID. Can I still apply for an IndianOil HDFC Bank Credit Card?

Accepted Answer

Yes. You can still apply for an IndianOil HDFC Bank Credit Card. In this case, instead of creating a new XR CID, your existing XR CID will be merged with this program and you can start converting Fuel Points into XRP and use XRP to redeem free fuel at participating IndianOil Fuel Outlets. NOTE: Make sure that your Mobile Number registered with the Bank is the same as the mobile number registered with IndianOil XTRAREWARDSTM Program

Question 10

I bought items from Amazon which along included vegetable oil as well. Why didn't I get 5% FP on this transaction?

Accepted Answer

Eligibility for Fuel Points on transaction is basis the Merchant Category Code (MCC) captured for the transaction. Only those MCCs recognized and considered by Partner Networks (Visa/RuPay) for the above mentioned categories will accrue 5% Fuel Points (FP). If your transaction didn't accrue any FP, it is because it is not recognized as Fuel/Groceries/Utilities/Bill Payment as per standard Merchant Category Code

Question 11

Should I register for XTRAREWARDSTM Program? If so, how to I enroll myself for it?

Accepted Answer

IndianOil HDFC Bank Credit Cardholders are automatically and mandatorily registered with IndianOil XTRAREWARDSTM Program during the time of Credit Card issuance. Once the Customer is automatically registered, you will receive an SMS on your registered mobile number from IndianOil, with the confirmation of your XTRAREWARDSTM Program account successfully been created along with an XTRAREWARDSTM Customer ID (XR CID). Post creation of your XR CID, you could also install 'IndianOil ONE' App from Android Play Store or IOS App store (Not mandatory) to help keep track of your XRP Balance and Transactions

Question 12

Can I make partial payments using XTRAREWARD POINTSTM?

Accepted Answer

Yes, Post verifying that the IndianOil Retail outlet is a Participating Outlet, check with the Merchant on Payment option using XTRAREWARDTM POINT. If you are unable to pay your fuel bill entirely through XTRAREWARDTM POINTS (XRP), Then you can partially pay through XRP and partially through your IndianOil HDFC Bank Credit Card.

Category	Rate	Cap
Indianoil Outlets	Earn 5% of your spends as Fuel Points at IndianOil outlets	—
Groceries	Earn 5% Fuel Points on Groceries	—
Bill Payments	Earn 5% Fuel Points on Bill Payments	—

Outstanding amount	Late fee
Up to ₹100	Nil
₹101-500	₹100
₹501-1,000	₹500
₹1,001-5,000	₹600
₹5,001-10,000	₹750
₹10,001-25,000	₹900
₹25,001-50,000	₹1,100
More than ₹50,000	₹1,300

Category	Rate	Cap
Indianoil Outlets	Earn 5% of your spends as Fuel Points at IndianOil outlets	—
Groceries	Earn 5% Fuel Points on Groceries	—
Bill Payments	Earn 5% Fuel Points on Bill Payments	—

Outstanding amount	Late fee
Up to ₹100	Nil
₹101-500	₹100
₹501-1,000	₹500
₹1,001-5,000	₹600
₹5,001-10,000	₹750
₹10,001-25,000	₹900
₹25,001-50,000	₹1,100
More than ₹50,000	₹1,300

Indian Oil HDFC Bank Credit Card

Welcome benefits

Rewards

Fees & charges

Insurance covers

Eligibility

Features

FAQs

Explore related credit cards

Regalia Activ Credit Card

Solitaire Credit Card

PIXEL Go Credit Card

Indian Oil HDFC Bank Credit Card

Welcome benefits

Rewards

Fees & charges

Insurance covers

Eligibility

Features

FAQs

Explore related credit cards

Regalia Activ Credit Card

Solitaire Credit Card

PIXEL Go Credit Card

Indian Oil HDFC Bank Credit Card

Explore related credit cards

Guides and tools

Indian Oil HDFC Bank Credit Card

Explore related credit cards

Guides and tools