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Complimentary IndianOil XTRAREWARDS Program (IXRP) membership

4,000 Membership Rewards Points on joining fee payment & on spending Rs. 15,000 within the first 90 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

1 Membership Rewards Point per Rs. 50 spent, except on fuel, insurance, utilities, cash transactions & EMIs at POS

Redeem the earned rewards for vouchers of top brands against the 18 Karat & 24 Karat Gold Collection

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

Multiple reward redemption options

Decent per reward value when redeemed as IOCL points

Welcome benefits equivalent to the Rs. 1,000 joining fee

Reward points redemption against multiple brand vouchers

Exclusive access to 18 & 24 Karat Gold Collection for reward redemption

Renewal fee waiver on annual spends of Rs. 1.5 Lakh

Bonus reward points on first year card renewal

Capping on fuel points earning

Low redemption value of fuel points for cashback or catalogue redemption

No travel benefits

Low base rate

No reward benefits on fuel, insurance & utility spends

Low base reward rate of 1 point per Rs. 50 spent

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 want to earn rewards and prefer to redeem them against popular brands like Flipkart, Amazon, Myntra, etc.