Compare : IndianOil HDFC Credit Card vs IndianOil Axis Bank Credit Card

Complimentary IndianOil XTRAREWARDS Program (IXRP) membership

1,250 EDGE Reward Points on making 1st fuel spend within the first 30 days

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

4% unlimited value back as 20 reward points per Rs. 100 IOCL spends

5 reward points per Rs. 100 online spend

1 EDGE reward point per Rs. 100 spent

5 reward points = Rs. 1

NA

NA

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

Multiple reward redemption options

Decent per reward value when redeemed as IOCL points

4% value-back on fuel spends as reward points

1% value-back on online shopping

10% discount on movie tickets booked via BookMyShow

Capping on fuel points earning

Low redemption value of fuel points for cashback or catalogue redemption

No travel benefits

Low base rate

Total accelerated value-back capped at Rs. 250

Fuel surcharge waiver capped at Rs. 50 per month

High annual fee waiver condition of Rs. 3.5 Lakh

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

Those who are looking for a low annual fee fuel credit card, are IOCL loyalists and like to watch movies