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Complimentary IndianOil XTRAREWARDS Program (IXRP) membership

2,000 reward points worth Rs. 500 on joining fee payment

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

3.25% back as 13X reward points up to 1,300 points per month on BPCL fuel spends

5X reward points up to 5,000 points per month on groceries, departmental stores, movies & dining spends

1 reward point per Rs. 100 non-fuel retail spend

4 Reward Points = Re. 1, redeemable at select BPCL petrol pumps

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5% fuel points on IOCL spends, groceries and bills

Decent redemption value of fuel points when redeemed against IOCL loyalty points

Up to 4.25% value-back on BPCL fuel spends

Accelerated rewards on groceries, departmental stores, movies & dining spends

Capping on fuel points earning

Low redemption value of fuel points for cashback or catalogue redemption

Low rewards redemption value

Capping on accelerated rewards earning

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 drive regularly, are BPCL loyalists and are looking for a credit card to save on their fuel spends