IndianOil HDFC Bank Credit Card 2025 Review: Your Road Trip Companion for Fuel Savings

⛽ Why This Card Stands Out for Drivers

If you’re behind the wheel often, this fuel-focused credit card delivers meaningful savings. Whether commuting across town or heading out on a road trip, the card offers benefits right when you need them. Let’s see how this card performs in real life.

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🛢️ Fuel Rewards That Really Matter

• Up to 50 litres of free fuel each year via “Fuel Points” earned at a rate of 5% back—translating roughly to ₹5 back per ₹100 spent. The cap is 250 points/month for the first six months, then 150 points/month afterward.
• 5% back in Fuel Points on groceries and bill payments, capped at 100 points per category each month.
• 1 Fuel Point for every ₹150 spent elsewhere (including UPI payments).
• 1% fuel surcharge waiver on petrol purchases of ₹400 or more, saving up to ₹250 per billing cycle.

🧩 Added Perks for Cardholders

• Complimentary IndianOil XTRAREWARDS membership for point redemption and fuel deals.
• Up to 50 days of interest-free credit on purchases.
• Contactless transaction support for quick, secure payments up to ₹5,000.
• Smart EMI conversion—split larger spends into manageable monthly installments.
• Zero liability on fraudulent transactions, provided loss is reported promptly.

💸 Fees, Waivers & Fine Print

• Joining and renewal fee: ₹500 + GST.
• Fee waiver criteria: Spend ₹50,000 in a year to waive the renewal charge.
• Finance charge: ~3.49–3.60% per month (~42–44% APR) on revolving balances.
• Late payment fees: Slabs ranging from ₹100 to ₹1,300 depending on overdue amount .

✅ Who Should Go for This Card

1. Frequent drivers logging regular mileage—daily commute or long rides.
2. Grocery shoppers who also want savings on utility payments.
3. Tech-savvy users who appreciate contactless and EMI features.

Great fit for families, cab drivers, road-trippers who can put consistent spend on groceries/bills and hit the reward caps.

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⚠️ What You Should Watch

• Monthly limits: Once you hit the cap (e.g. 150 fuel points), extra spend earns just 1 point/₹150—slowing down incremental benefits.
• No travel, dining, entertainment bonuses. Compared to premium cards, this lacks mainstream perks.
• Redemption isn’t instant: Fuel Points convert through the XTRAREWARDS portal—some users find the process slower.

🏁 Final Word

For those putting a lot of miles on their vehicle, the IndianOil HDFC Bank Credit Card offers solid, no-nonsense fuel savings and utility bonuses. Monthly caps mean it’s best for steady but not unbounded spend. If you're mainly after fuel value and basics like contactless or EMI, it fits well—just don’t expect travel or lifestyle extras.

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