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Complimentary IndianOil XTRAREWARDS Program (IXRP) membership

Amazon voucher worth Rs. 500 on payment of joining fee

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

10X reward points on online partner brands: BookMyShow, Swiggy, Apollo24X7, Dominos, IGP, Myntra, Yatra, Netmeds & Cleartrip

5X reward points on all other online spends

1 reward point per Rs. 100 spent offline

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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

10X reward points on brands covering multiple categories like shopping, travel, movies, dining and more

Low annual fee and comparatively easier eligibility terms

Easily achievable fee waiver condition of Rs. 1 Lakh in a year

Capping on fuel points earning

Low redemption value of fuel points for cashback or catalogue redemption

No travel benefits

Low base rate

Limited options for reward redemption

Online shopping benefits come in the form of rewards, the value of which may not be satisfactory in comparison to cashback credit cards like Amazon Pay ICICI or Cashback SBI Card

The array of collaborated brands under the accelerated earnings is not impressive

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

Beginners looking for a card that offers higher rewards on online spends, especially on partnered brands, like Dominos, Cleartrip, BookMyShow & more