HDFC Bank

HDFC Indian Oil Credit Card

Accelerated FuelPoints at IndianOil outlets Base RP on groceries, bill payments, other spends

Indian Oil HDFC Bank Credit Card
Official card photo
Pulled from the issuer page so people can see the card artwork when they open this card.
Annual Fee
Rs. 500 + GST (waived on Rs. 50K annual spend)
Reward Type
Fuel Points
Card Tier
Co-Branded (Fuel)
Top Perks
Fuel surcharge waiver at IndianOilextra points on groceries and bill payments
How To Redeem
Card Details
Card Tier
Co-Branded (Fuel)
Annual Fee
Rs. 500 + GST (waived on Rs. 50K annual spend)
How You Earn
Accelerated FuelPoints at IndianOil outlets Base RP on groceries, bill payments, other spends
Top Perks
Fuel surcharge waiver at IndianOil, extra points on groceries and bill payments
How to redeem

Exact provider click paths for the redemption programs this card can realistically access, including the travel-portal and transfer choices you need to distinguish before moving points.

HDFC SmartBuy

The strongest HDFC redemption path still runs through SmartBuy for flights, hotels, and selected vouchers, with a separate NetBanking flow for airmiles transfers.

Portal screenshot pending

We'll drop a fresh capture in here once SmartBuy is reachable from our crawler.

Airline transfer partners
6 programs
British Airways Club
Air Canada Aeroplan
Singapore KrisFlyer
Etihad Guest
United MileagePlus
Air India Maharaja Club

Diners Club Black, Infinia, and Regalia tiers each have different airmiles partner rosters — confirm the live list inside NetBanking before transferring.

Flights
  • Book flights directly inside SmartBuy and apply points during checkout.
  • Use NetBanking if you need the airmiles transfer flow instead of portal booking.
Hotels
  • Hotel booking redemption lives inside SmartBuy Stays with points adjustment at checkout.
  • Works well when you want fixed-value hotel redemption without waiting for a partner transfer.
What to watch
  • Portal prices and caps still matter; compare the cash rate before redeeming.
  • For airline transfers, the NetBanking airmiles path is separate from the portal booking path.
Click path

Structured the same way a points tutorial would walk you through the portal: where to start, what to click, and what to double-check before confirming.

1

Open SmartBuy for flights or hotels

Sign inSmartBuyFlights or Stays

Use SmartBuy when you want to redeem directly against travel inventory. This is the clean path for portal bookings and fixed-value hotel redemptions.

2

Search, pick the itinerary, and redeem at checkout

Flights/StaysEnter journey detailsChoose itineraryAdjust reward pointsPay and OTP

After you pick the itinerary, move through the booking flow and adjust the rewards points you want to burn before you pay with your linked HDFC card and OTP.

3

Use NetBanking for airmiles conversion

NetBankingCardsEnquireRedeem Reward PointsSelect cardAirmiles

If Alfi recommends a transfer partner instead of a SmartBuy booking, HDFC documents the transfer flow through NetBanking rather than through the travel checkout.

First-time users need frequent-flyer registration before the actual transfer request.