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Complimentary IndianOil XTRAREWARDS Program (IXRP) membership

Rs. 500 My Cash & Rs. 3,000 MakeMyTrip holiday voucher

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

3 My Cash per Rs. 200 spent on hotel/ holiday booking via MMT

2 My Cash per Rs. 200 spent on flight booking via MMT

1.25 My Cash per Rs. 200 spent on international transactions outside MMT portal

1 My Cash per Rs. 200 spent on domestic transactions outside MMT

1 My Cash = Rs. 1, redeemable on MMT

NA

1 complimentary domestic airport lounge access on Rs. 5,000 quarterly spends

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

Multiple reward redemption options

Decent per reward value when redeemed as IOCL points

Welcome benefits worth Rs. 3,500

Up to 3X My Cash per Rs. 200 spent with 1:1 redemption ratio

25% off, up to Rs. 300 off per month, on movies

Capping on fuel points earning

Low redemption value of fuel points for cashback or catalogue redemption

No travel benefits

Low base rate

Rewards redemption limited to just MMT bookings

Quarterly spend based domestic lounge access & no international lounge access

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 travel frequently, are MakeMyTrip loyalists and frequently go out to watch movies