Credit Card Compare

Complimentary IndianOil XTRAREWARDS Program (IXRP) membership

NA

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

4 reward points per Rs. 150 spent on all retail spends

NA

Up to 8 complimentary airport lounge visits within India and up to 6 lounge access per year outside India via Priority Pass

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

Multiple reward redemption options

Decent per reward value when redeemed as IOCL points

Good reward rate across all categories

Multiple redemption options

Complimentary lounge access

Low forex mark-up fee

Capping on fuel points earning

Low redemption value of fuel points for cashback or catalogue redemption

No travel benefits

Low base rate

Lounge access is subject to reaching spend milestones

Spend threshold for milestone benefits is too high

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 can satisfy the fee waiver and lounge access spending conditions to make the most of the card features and those who frequently dine out