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Complimentary IndianOil XTRAREWARDS Program (IXRP) membership

2 reward points per Rs. 100 spent on retail purchases, except fuel

1 reward point per Rs. 100 spent on utility & insurance

Redeem reward points for products and vouchers on ICICI Bank Rewards platform

5% fuel points at IndianOil outlets (Up to 250 fuel points per month for the first 6 months & up to 150 per month after that)

5% fuel points on groceries and bill payments (Up to 100 fuel points per month on each category)

1 fuel point per Rs. 150 spent on other purchases

1 Fuel Point = Rs. 0.20 against statement balance or 3 XtraRewards Point (XRP) or up to Rs. 0.20 for product catalogue

1 XRP = Rs. 0.32

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Lifetime free credit card

Up to 2X rewards earnings on card spends

Dining discount offers across a wide range of restaurants

Accelerated benefits on non-fuel spends (groceries and bills)

Multiple reward redemption options

Decent per reward value when redeemed as IOCL points

Low reward rate

No accelerated benefits on popular lifestyle-related categories, like travel, shopping, movies, etc.

Capping on fuel points earning

Low redemption value of fuel points for cashback or catalogue redemption

No travel benefits

Low base rate

Beginners who want to build their credit score and are looking for a basic card with rewards benefits and dining discount

People who are IOCL loyalists, looking for a fuel credit card and want accelerated value back on spends made on IOCL fuel, groceries and bill payments