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Complimentary IndianOil XTRAREWARDS Program (IXRP) membership

Complimentary Air India Frequent Flyer Program - Flying Returns membership

5,000 reward points on joining & 2,000 rewards on renewal

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

2 reward points per Rs. 100 spent, where 1 Reward Point = 1 Air India mile

15 reward points per Rs. 100 spent on Air India tickets booked for self via Air India portals

5 reward points per Rs. 100 spent on Air India tickets booked for others via Air India portals

5 reward points per Rs. 100 spent on SuperSaver booklet purchases

Air Mile redemption is possible in multiples of 5,000

NA

8 complimentary domestic Visa lounge visits per year (max. 2 per quarter)

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

Multiple reward redemption options

Decent per reward value when redeemed as IOCL points

Up to 15,000 bonus reward points in a year

1:1 reward points redemption ratio

Complimentary membership to Air India Frequent Flyer Program

Capping on fuel points earning

Low redemption value of fuel points for cashback or catalogue redemption

No travel benefits

Low base rate

No complimentary international lounge access

Accelerated benefits limited to Air India travel spends

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

People who are frequent domestic travellers, prefer to travel with Air India and are looking for a travel-focused credit card