Credit Card Compare

Luxe Gift Card and vouchers of top brands, like The Postcard Hotel, Montblanc, Amazon, Flipkart, etc.

Complimentary IndianOil XTRAREWARDS Program (IXRP) membership

1.5 reward points for every Rs. 150 spent

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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Complimentary vouchers and gift cards as welcome benefit

Transfer of rewards into Airmiles at a 1:1 ratio

Fuel surcharge waiver across all fuel stations

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

Multiple reward redemption options

Decent per reward value when redeemed as IOCL points

Low reward rate of 0.40% across all categories

No travel benefits like complimentary lounge access

No milestone benefits are offered

Capping on fuel points earning

Low redemption value of fuel points for cashback or catalogue redemption

No travel benefits

Low base rate

People looking for a lifetime free card with basic benefits

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