Accelerate Your Savings: The Power of HDFC Indian Oil Credit Card Unveiled

 Indian Oil and HDFC together have launched a new fuel credit card, which targets customers in non-metro places. It offers the lowest price for fuel along with some other benefits. With the help of IOCL Credit Card, customers can get reward points at more than 27000 fuel stations across India. Also, they can get fuel points on utility bill payments, dining out, shopping, etc., and these points can further be redeemed annually up to a maximum of 50 litres of fuel. 

How do you link the IOCL credit card to the HDFC bank account?

It is compulsory to register for Internet banking facilities to link the credit card to the HDFC bank account. Mentioned below are the steps to link the HDFC IndianOil Credit Card to the HDFC Bank account:

Step 1: Log on to HDFC’s official website, i.e. www.hdfcbank.com 

Step 2: Click on the tab “Net Banking” available on the home page.

Step 3: Then, log in to HDFC's Internet banking webpage.

Step 4: It will then take you to the login page of HDFC, where you have to enter your Customer ID and password. Click “Continue”.

Step 5: Click on the link available, “Register New Card”.

Step 6: Provide the details like Card Number, PIN, and Expiry Date. Click “Submit”.

Step 7: An OTP will then be received on your registered mobile number.

Step 8: Enter the OTP received and click “Submit”.

Step 9: The care is now linked to the bank account.

Steps to Apply Online for HDFC IndianOil Credit Card

Mentioned below are the steps to apply for an HDFC IndianOil Credit Card:

Step 1: Open the HDFC’s official website and go to the tab “Borrow”.

Step 2: Then select the option “Credit Cards”.

Step 3: It will then redirect you to a new page where all HDFC Bank credit cards will be displayed.

Step 4: Select IndianOil Credit Card from the category “Fuel”.

Step 5: Click on “Apply Online”.

Step 6: Fill out the application form.

Step 7: Click on “Continue”.

Fees and Charges

Mentioned below are fees and charges to apply for HDFC IOCL Credit Card:

Title	Details
Joining Fee	INR 500
Renewal Fee	INR 500 (waived off on spending INR 50,000 in the previous year)
Finance Charges	3.6% p.m. i.e. 43.2% p.a.
Late Payment Charges	For Statement Balance: Less than INR 100 – Nil INR 100 to INR 500 – INR 100 INR 501 to INR 5,000 – INR 500 INR 5,001 to INR 10,000 – INR 600 INR 10,001 to INR 25,000 – INR 800 INR 25,000 to INR 50,000 – INR 1,100 Over INR 50,000 – INR 1,300

Eligibility Criteria

Mentioned below are the eligibility parameters to be met in order to apply for HDFC IOCL Credit Card: 

1. In the case of Salaried individuals:

• The minimum age of an applicant should be 21 years.

• The maximum age of an applicant should be 60 years.

• The minimum income should be INR 10,000 per month.

2. In the case of Self-Employed applicants:

• The minimum age of an applicant should be 21 years.

• The maximum age of an applicant should be 65 years.

• The minimum income in ITR should be INR 6 lakhs per annum.

Documents Required

Mentioned below is the list of documents required to apply for HDFC IOCL Credit Card:

Title	Details
Proof of Identity	Aadhaar card Letters issued by the UIDAI Passport Job card issued by NREGA PAN Card Voter’s ID Person of Indian Origin Card Driver’s License Any other government-approved photo ID proof Overseas Citizen of India Card
Proof of Address	Aadhaar card Passport Ration Card Job card issued by NREGA Bank Account Statement Driver’s License Property Registration Document Utility bills not more than 3 months old Person of Indian Origin Card Any other government-approved address proof
Proof of Income	Latest Form 16 Latest one or 2 salary slips Last 3 months’ bank statement

Steps to Register for HDFC Credit Card Internet Banking

Mentioned below are the steps to register for HDFC Credit Card Net Banking: 

1. Existing HDFC Customers Managing Net Banking Account

The existing HDFC credit card holders can link their credit cards with their bank accounts easily using net banking. There is no need to create a new net banking account. Mentioned below are the steps to register the credit cards:

Step 1: Using your Customer ID and IPIN, open your net banking account.

Step 2: On the main menu, select “Cards”. 

Step 3: Next, click “Credit Cards”. 

Step 4: On the left-hand side menu, click “Register New Card”.

Step 5: Now, provide your credit card number along with its PIN and expiry date.

Step 6: At last, click “Submit”.

Step 7: Post verification, a confirmation message will be received.

2. Existing HDFC Customers But Without Net Banking

For the existing HDFC customers who do not have a net banking account, firstly, you are required to register yourself to avail of net banking access. Once you have successfully registered yourself for net banking, the next step you can do is to link your credit card with the HDFC bank account. The registration process for cards can be done either offline by visiting the nearest HDFC branch or an ATM or online.

3. New HDFC Customers

The new HDFC credit cardholders who do not have any active account with HDFC bank are first required to register themselves for the HDFC credit card net banking service. Below mentioned are the steps to make a quick online registration:

Step 1: Open the HDFC’s official website, i.e. www.hdfcbank.com

Step 2: On the main menu, click “Ways to Bank”. 

Step 3: Now, click “Bank Online”. 

Step 4: Next, click “Credit Card Net Banking”.

Step 5: Now, click on the tab “Register for Credit Card Net Banking”.

Step 6: It will then redirect you to the online registration page.

Step 7: Select your Login ID, and enter some details asked, like name, credit card number, PIN, and expiry date of the card.

Step 8: Now, choose a password to access the online net banking account.

Step 9: Click “Submit, once all the details are filled out.

Step 10: After verification, the request will be accepted by HDFC for credit card account creation.