Pre approved Indian Oil HDFC Credit Card
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I am getting offer for pre-approved HDFC Indian oil Credit Card with 499 joined and 499 Annual fee(but both have waived) with zero documentation.
what are the main benefits regarding this card(share ur experience also)
Kindly suggest should I go for it, i already have ICICI Hpcl creditcard
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https://www.desidime.com/discussions/pre-approved-indian-oil-hdfc-credit-card?page=1#post_8986282
Anyone got this as secondary card (rupay) yet?
https://www.desidime.com/discussions/pre-approved-indian-oil-hdfc-credit-card?page=1#post_8986303
I got this LTF. Pretty straight forward card except u gotta fuel up rs400+ to get 4% reward point and 1% fuel surcharge waiver where other cards like iocl axis or sbi bpcl gets u reward point on even 100rs fuelup. U get 5% on bill pay upto 100 and and 5% on grocery upto 100 or something.
https://www.desidime.com/discussions/pre-approved-indian-oil-hdfc-credit-card?page=1#post_8986306
How can you redeem the 4% reward points?
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https://www.desidime.com/discussions/pre-approved-indian-oil-hdfc-credit-card?page=1#post_9024042
I have around 2700 reward points for this card. Can someone tell me
What is the most efficient way to redeem them.
If it's about Petrol Pump, Can someone tell me the process in detail?
https://www.desidime.com/discussions/pre-approved-indian-oil-hdfc-credit-card?page=1#post_9024047
And in case of petrol pumps, I'm doubtful if my nearest petrol pump will accept it or not
https://www.desidime.com/discussions/pre-approved-indian-oil-hdfc-credit-card?page=1#post_9034632
Koi to btado 
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Of late, there have been a few Rupay Credit Card only offers on Pharmeasy, Dineout and BookMyShow. So, the Rupay variant of this HDFC Indian Oil Card may come in handy. There are not many Rupay cards from the main banks (SBI, HDFC, ICICI). The main question is what petrol pump you normally get your car / bike filled from and how often. You will need to do the math then. If it is LTF then I see no harm in getting it. If there is a spend limit based waiver from the next year then go back to the math.