How to Apply for the HDFC Indian Oil Credit Card in 2026
Apply for the co-branded HDFC Indian Oil Credit Card and earn 5% cashback on fuel spends at IOCL pumps. Eligibility, fees, and walkthrough.
Harshil Vaja
The HDFC Indian Oil Credit Card is a co-branded lifetime-free fuel card for Indian Oil Corporation customers. It offers 5% cashback on fuel spends at IOCL pumps, 1% fuel surcharge waiver, 2 reward points per ₹150 on all other retail, and a milestone voucher of ₹500 on spends of ₹50,000 in a quarter. The card is targeted at users with a 4-wheeler who fill fuel at IOCL pumps regularly.
Why this matters
If you spend ₹5,000/month on fuel at IOCL, the 5% cashback gives you ₹250/month. The ₹500 quarterly milestone voucher is an additional bonus. The card pairs well with HDFC Millennia for online shopping.
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How to Apply for the HDFC Indian Oil Credit Card in 2026
Common mistakes to avoid
The 5% cashback is only valid at IOCL pumps — fuel at other oil companies earns 0% cashback. The cashback is capped at ₹100 per transaction, so transactions above ₹2,000 will not get the full 5%.
Pro tips
- Use the card only at IOCL pumps to maximise 5% cashback
- Split large fuel transactions into smaller ones (under ₹2,000) to maximise the per-transaction cap
- Track the ₹1,000/month cashback cap in SmartHub
- Pair with HDFC Millennia for online shopping
Written by
Harshil Vaja
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