100% cashback, up to Rs. 250, on all fuel spends within first 30 days of card issuance
Earn up to 4% value back on fuel spends made at Indian Oil outlets (Rs. 100 = 20 Reward Points, max. 1000 Reward Points per month)
Earn Reward Points on UPI Payments by linking the card to UPI
20 reward points per Rs. 100 on fuel spends on IOC Terminal
5 reward points per Rs. 100 spent on Online Shopping (basis MCC). Minimum transaction size eligible: Rs. 100
1 rewards points per Rs. 100 spent on all other spends. Maximum eligible spends 5000/month
1% Fuel surcharge waiver is applicable for fuel spends between Rs. 200 to Rs 5000
Annual Fee waived off if spends more than Rs. 50000 per year
10% instant discount for movie ticket booked via BookMyshow website
Enjoy up to 15% Discount on partner Restaurants via EazyDiner
Complimentary Airport Lounge Access within India: Lounge access program will now be based on the credit card spends. Spend Rs. 1 Lakh or more in a calendar quarter (Jan-Mar | Apr-Jun |Jul-Sept | Oct-Dec). Choose up to 2 complimentary lounge access vouchers as your Quarterly Milestone Benefit
International Lounge access using priority pass is not based on spends: Cardholders can apply for Priority Pass once they complete minimum 4 retail transactions on the card. Do note that Rupay cards are not eligible for priority pass. Using Priority Pass, avail up to 6 Complimentary Lounge Access per calendar year, outside India
1% fuel surcharge waiver at all fuel stations across India on transactions between Rs. 400 and Rs. 5000
Enjoy dining benefits with the Good Food Trail program: Get up to 7.5% savings on all restaurant bill payments via Swiggy Dineout (20k+ restaurants). This offer is inclusive of Restaurant and Swiggy Discount, and valid only on payments done via the Swiggy App
Zero Lost card liability
Foreign Currency Markup: 3.5% on all foreign currency spends
Get Revolving Credit at nominal interest rate
24/7 Concierge Services
Milestone Benefit: Avail 10,000 Reward Points when achieving annual spends of Rs. 5 lakhs and additional 5,000 Reward Points when achieving annual spends of Rs. 8 lakhs in an anniversary year
Spend Rs. 3L in 12 Months and get Renewal Fee waived for next renewal year
Convert big spends into EMI after purchase
Accidental air death cover worth Rs. 1 Crore
Emergency overseas hospitalization up to Rs. 15 lakhs
Lost Card Liability Cover : Up to Rs 9 lakhs
On retail spends including Insurance, earn 4 reward points on Rs. 150
Get 10,000 Reward Points on annual spends of Rs. 5 lakhs
Get additional 5,000 Reward Points on annual spends of Rs. 8 lakhs
Editor's Review
Pros
100% cashback, up to Rs. 250, on all fuel spends within first 30 days of card issuance
Earn up to 4% value back on fuel spends made at Indian Oil outlets (Rs. 100 = 20 Reward Points, max. 1000 Reward Points per month)
20 reward points per Rs. 100 on fuel spends on IOC Terminal
Cons
No International Airport Lounge access
No Golf benefits
No travel miles benefits
Pros
Earn 10,000 Reward Points when achieving annual spends of Rs. 5 lakhs.
Accidental air death cover worth Rs. 1 Crore
Fuel Surcharge Waiver
Cons
Slightly high Annual Fee
No golf/coaching sessions
More comparisions with AXIS Bank IOCL Rupay Credit Card