Want to save some money on your fuel expenses? Well, you should check out the IndianOil HDFC Bank Credit Card! With this, you can earn 5% of your spending as Fuel Points at IndianOil outlets and 5% of your spending on groceries and bill payments. Plus, you'll enjoy up to 50 days interest-free credit period and many other benefits with just a joining and annual fee of ₹500. Keep reading to learn more!
Aspects that make spending using this card lit as the sun!
Think of these as small investments to keep your credit card running smoothly.
Joining Fee
₹500Annual Fee
₹500Annual Percentage Rate
43.2%Add-on Card Fee
FreeMinimum Repayment Amount
5%Cash Withdrawal Fee
2.50%Cash Advance Limit
40%Card Replacement Fee
₹100Foreign Transaction Fee
3.50%Over Limit Penalty
2.50%Fuel Transaction Surcharge
2.50%Reward Point Value
₹0.96Balance below ₹100
₹ 0Balance from ₹100 to ₹500
₹ 100Balance from ₹501 to ₹5000
₹ 500Balance from ₹5001 to ₹10000
₹ 600Balance from ₹10001 to ₹25000
₹ 800Balance from ₹25001 to ₹50000
₹ 1100Balance more than ₹50000
₹ 1300Aspects that make this credit card amazing.
Aspects this credit card lacks.
Keep an eye on the credit card's monthly performance through the number of cards issued and the cumulative transaction value!
Bank name:
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HDFC Bank Credit Card Customer Care Number:
1800 202 6161 / 1860 267 6161HDFC Bank Card Offers:
View OffersTotal Cards:
2,24,05,188Summary of HDFC Bank's New Credit Card Rules Effective from August 1, 2024
HDFC Bank is introducing new rules and charges for its credit card customers starting August 1, 2024:
Rental Transactions: A 1% fee, capped at Rs 3,000 per transaction, will be applied when paying rent through platforms such as CRED, PayTM, Cheq, MobiKwik, Freecharge, etc.
Fuel Transactions:
International/Cross Currency Transactions: A 3.5% markup fee will be levied. The markup fee remains at 2% for premium cards such as Infinia, Diners Black, etc., and 2.5% for 6E Rewards Indigo XL.
Late Payment Fees have been revised as follows:
Rewards Redemption towards Statement Credit: A Rs 50 redemption fee applies, not applicable to premium cards like Infinia, Diners Black, etc.
Finance Charges: A finance charge of 3.75% per month is applicable if the full amount isn't paid, relevant to all transactions. For premium cards, the finance charge is 1.99% per month.
Easy-EMI Processing Fee: A charge of up to Rs 299 for availing the Easy-EMI option at any store.
All fees are subject to GST, and the merchant category codes are defined by the network (Visa, Mastercard, etc.), not HDFC Bank. Charges described do not apply to Pixel Credit cards, with only the Rental Transaction Charge applicable to Commercial Credit Cards.
HDFC Bank has announced some changes to their credit card fees and rewards structure, effective from August 1, 2024. Here's a summary of the key changes:
There's good news for Swiggy HDFC Bank credit cardholders! In May 2024, HDFC Bank announced a major change to the cashback program. Previously, the cashback earned was credited as Swiggy Money, restricting users from spending it on the Swiggy app. Now, the cashback is directly applied to your credit card statement, offering more flexibility. This update makes the Swiggy HDFC Bank credit card a more attractive option for those who frequently order food and groceries on Swiggy.
Here are some additional details to consider:
HDFC Bank has introduced the Pixel Play Credit Card, India's first virtual credit card, with unique features like:
Who can apply?
The cards come in four variants - BizFirst, BizGrow, BizPower, and BizBlack - and offer benefits like interest-free credit periods, rewards on business spend, and insurance coverage.
Starting from 1 December, the lounge access program will be tied to one's credit card spending. To avail of the lounge benefits, a credit card user must spend Rs. 1 lakh or more in a single calendar quarter, i.e., January-March, April-June, July-September, October-December. Only two complimentary lounge access vouchers will be available per quarter as part of the milestone benefit for users.
HDFC Bank has introduced the upgraded HDFC Diners Club Metal Edition Credit Card, setting it apart from the previous HDFC Diners Club Black Credit Card. The key differentiators between the two cards are as follows:
This revamped credit card caters to the evolving preferences and spending patterns of customers, providing additional perks and benefits.
HDFC Bank and Marriott International have launched a co-branded credit card in India, called the Marriott Bonvoy HDFC Bank Diners Club International Credit Card. The card is the first hotel co-branded credit card in India. It offers a number of benefits to cardholders, including:
Swiggy is reportedly teaming up with HDFC Bank to introduce a co-branded credit card. By doing so, Swiggy would join the increasing number of e-commerce platforms like Flipkart, Myntra, and Paytm, which have already launched their own co-branded credit cards.
Swiggy's strategic decision to venture into the co-branded credit card space is aimed at strengthening customer loyalty and involvement by offering supplementary advantages and incentives through the card.
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Reward Rate
-Joining Fee
₹500Annual Fee
₹500Annual Percentage Rate
42%/Select/CreditCards/52f487ac7d3745ac9d67f3c6ec7c8869.png)
Reward Rate
-Joining Fee
₹500Annual Fee
₹500Annual Percentage Rate
52.86%/Select/CreditCards/d9cffa175c6845e2b7452b48138cfef0.png)
Reward Rate
-Joining Fee
₹499Annual Fee
₹499Annual Percentage Rate
42%/Select/CreditCards/dfcc8f0d88a64626bfd3dca66a2087a2.png)
Reward Rate
-Joining Fee
₹1,499Annual Fee
₹1,499Annual Percentage Rate
42%/Select/CreditCards/da7b6473bc85439c8524179df66b5041.png)
Reward Rate
-Joining Fee
₹499Annual Fee
₹499Annual Percentage Rate
42.00%The minimum purchase amount for HDFC bank IndianOil Credit Card must be Rs. 400. However, there is no upper limit.
You may apply for this credit card online by visiting the bank's official website, choosing the card from the "Credit Cards" section, and then clicking "Apply Today".
Fill out the necessary details, and the bank will check if you are a credit worthy customer.
In addition, if you choose to apply offline, you must visit one of the bank's local locations and submit a completed application form.
You can use the HDFC Indian Oil Credit Card for almost anything because users can earn 'Fuel Points' not only on fuel purchases but also on grocery and bill payments. However, Points can only be redeemed for free fuel at select IndianOil locations.
Fuel surcharge waiver on HDFC Indian Oil Credit Card:-
Waiving the convenience fee of 1% on all fuel purchases. Convenience fees are only waived for petrol purchases between Rs. 400 and Rs. 5,000. (A maximum of Rs. 500 may be waived per statement cycle.)
The fuel fee is 2.5% to 1% of the gasoline transaction amount. Depending on the fuel station and their acquiring bank, the rate of the surcharge may change. GST is also applicable.
The card holder gets 1 Fuel Point for every Rs. 150 spent on the card for other purchase, and gets 5% of their spending in Fuel Points on grocery and bill payments.
Exclusive to IndianOil HDFC Bank Credit Cards owners, Fuel Point is a rewards metric system. Earn accelerated 5% Fuel Points on purchases at IndianOil outlets, groceries, and bill payments when using the IndianOil HDFC Bank Credit Card to make retail purchases. The accelerated 5% fuel point benefit is only available for fuel purchases at IndianOil retail locations. Fuel transactions at all other Fuel Outlets will earn 1 Fuel Point for every Rs. 150 spent.
Select understands market trends and users' temperaments. That's why you can never go wrong with it.
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