IOCL HDFC Credit Card 2025
5% Fuel Cashback
₹1000 Welcome Voucher
4 Lounge Access
1 FP/₹150 Other Spends
Save over ₹6,500+ every year with 5% fuel + lounge + low fee!
Best fuel card! IOCL HDFC Card gives 5% cashback on IOCL fuel, ₹1000 welcome voucher, 4 lounge visits, just ₹199 annual fee.
Perfect for daily commuters & fuel users!
Why Choose IOCL HDFC in 2025?
5% IOCL fuel • 1.5% other fuel • 4 lounge • ₹1000 welcome • ₹199 fee
Best for: Fuel users, commuters, low fee seekers
Card At a Glance
Joining Fee
₹199
₹199
Annual Fee
₹199
₹199
Cashback Rate
5% IOCL Fuel
5% IOCL Fuel
Lounge Access
4/Year
4/Year
Forex Markup
3.5%
3.5%
Fuel Waiver
₹250/Year
₹250/Year
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | ₹199 |
| Annual Fee | ₹199 |
| Cashback | 5% IOCL Fuel | 1.5% Other |
| Forex Markup | 3.5% + GST |
| Interest Rate | 3.6% per month |
| Fuel Surcharge Waiver | ₹250/quarter |
| Cash Advance Fee | 2.5% of amount |
Detailed Reward Rates (2025)
- 5% cashback on IOCL fuel (₹400-₹4000)
- 1.5% cashback on other fuel stations
- ₹1000 welcome voucher on ₹1500 spend
- 1 RP = ₹0.25 on other spends
- 4 domestic lounge visits/year
Airport Lounge Access
- 4 complimentary visits to domestic lounges
- 2nd Sep - 31st May: 2 visits/quarter
- 1st Jun - 1st Sep: 1 visit/quarter
Insurance & Protection Benefits
- ₹2 Lakh air accident cover
- ₹3 Lakh emergency hospitalization
- Zero lost card liability
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| 5% IOCL fuel | 3.5% forex |
| ₹199 LOW fee | No milestone benefits |
| 4 lounge access | Limited to IOCL |
| ₹1000 welcome | Basic rewards |
| ₹250 fuel waiver | 3.6% interest |
| Easy eligibility |
Eligibility Criteria & Documents Required
- Age: 21–60 years
- Minimum Annual Income: ₹3 Lakh
- Credit Score: 700+ preferred
- Documents: PAN, Aadhaar only
How to Apply Online (3-Minute Process)
- Visit HDFC IOCL page → Click Apply
- Fill basic details → Instant approval
- Upload PAN & Aadhaar only
- Video KYC (1 minute)
- Card in 7 days
Final Verdict – Should You Get It in 2025?
Best budget fuel card! 5% IOCL + 4 lounge + ₹199 fee = ₹6,500+ value. Perfect for daily drivers!
Frequently Asked Questions (FAQs)
5% on all IOCL fuel?
Yes! ₹400-₹4000 transactions get 5% cashback.
₹199 fee only?
Yes! Joining + annual = just ₹199 total.
4 lounge visits?
Yes! Seasonal quota applies.
Easy approval?
Yes! ₹3L income + good score = instant.
Fuel surcharge waiver?
Yes! ₹250 per quarter automatically.