Gain 5% of your spending as Fuel Points at IndianOil outlets (Max 250 Fuel Points per month in the first 6 months, and 150 Fuel Points per month after 6 months from card issuance)
Get 5% Fuel Points on Groceries and Bill Payments. Each category has a maximum of 100 Fuel Points per month.
Avail 1 Fuel Point for every Rs. 150 spent on all other purchases, including UPI transactions
Complimentary IndianOil XTRAREWARDSTM Program (IXRP) membership
Enjoy Revolving Credit at a nominal interest rate
Zero Lost card liability
Up to 50 days of interest-free period on the IndianOil HDFC Bank Credit Card from the date of purchase
1% fuel surcharge waiver at all fuel stations across India on minimum transaction of Rs. 400. Maximum CashBack of Rs. 250 per statement cycle
Spend Rs. 50,000 and above in the first year and get a waiver on the renewal membership fee
With the IndianOil HDFC Bank Credit Card, you can convert big purchases into EMI after the transaction
IndianOil HDFC Bank Credit Card is enabled for contactless payments
Earn Fuel Points on retail spends
Acquire accelerated 5% Fuel Points on spends done at IndianOil outlets, Groceries and Bill payments. Please note that the benefit of accelerated 5% Fuel Points will only apply to fuel transactions made at IndianOil Retail Outlets
Annual Spend based benefit: By spending Rs. 50,000 and above in each calendar quarter, get Rs. 500 worth gift vouchers
Renewal Offer: In the first year, spend Rs. 50,000 and above to get renewal membership fee waived off
Get 2 Reward Points on every Rs. 150 spent
Get 2X Reward Points i.e. 4 Reward Points on every Rs. 150 spent online (With effect from 15th July 2020, cardholders can earn up to 500 Reward Points per statement cycle for online spends, under the 2X RP feature)
Every quarter, get a gift voucher worth Rs. 500 on spends of Rs. 50,000. Earn up to Rs. 2,000 worth gift vouchers in a year
Zero Lost card liability
Up to 50 days of interest free period from the date of purchase
Enjoy Revolving Credit at nominal interest rate
Enjoy amazing dining benefits with Good Food Trail program. Get up to 20 % savings off on all restaurant bill payments via Swiggy Dineout (20k + restaurants). This offer is inclusive of Restaurant and Swiggy Discount. This offer is valid only on payments done via Swiggy App
1% Fuel Surcharge waiver on fuel transactions on minimum transaction of Rs. 400 and maximum transaction of Rs. 5,000
Avail facility of converting big spends into EMI after purchase
HDFC Bank MoneyBack Credit Card is enabled for contactless payments
Reward Points can be used for redemption against travel benefits such as Flight and Hotel bookings, and the card members can redeem up to a maximum of 50% of the booking value through Reward Points and Rewards Catalogue at the SmartBuy Rewards Portal
Editor's Review
Pros
Gain up to 50 Litres of Free fuel annually
Gain 5% of your spending as Fuel Points at IndianOil outlets
Acquire accelerated 5% Fuel Points on spends done at IndianOil outlets, Groceries and Bill payments
Cons
No golf benefits are provided
No international and domestic airport lounge access
Pros
Zero liability on the lost card if reported immediately
With the EMV Chip technology presented in the card, stay protected against fraud
Avail up to 50 days of the interest-free period from the date of purchase, and enjoy Revolving Credit at a nominal interest rate
Cons
The Reward points are only valid for 2 years
No complimentary Airport Lounge Access
High-interest rate of 3.49%
More comparisions with IndianOil HDFC Bank Credit Card