Compare : IndianOil Kotak Credit Card vs IndianOil HDFC Credit Card

1,000 bonus reward points on spending Rs. 500 within the first 30 days of card issuance

Complimentary IndianOil XTRAREWARDS Program (IXRP) membership

4% back as 24 rewards per Rs. 150 IndianOil spend

2% back as 12 rewards per Rs. 150 grocery & dining spend

0.5% back as 3 reward points per Rs. 150 spent

1 reward point = Rs. 0.25

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

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NA

Up to 5% value back on IndianOil spends

Accelerated rewards (2%) on day-to-day spends, including grocery & dining

Easily achievable spending milestone for annual fee waiver

Base reward rate on UPI spends with RuPay variant

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

Multiple reward redemption options

Decent per reward value when redeemed as IOCL points

Monthly capping on accelerated reward points

Low reward redemption value of Rs. 0.25 per reward point

No fuel surcharge waiver on spends at fuel stations other than IndianOil

Reward redemption against cashback is a limited-period offer

Capping on fuel points earning

Low redemption value of fuel points for cashback or catalogue redemption

No travel benefits

Low base rate

Those who are IOCL loyalists and are looking for a card with decent value-back on their fuel, dining & grocery 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