70% split equally across Shopping, Travel, Dining; 30% other eligible spend. Standard redemption value. Renewal year; joining costs and taxes excluded.
Use at IndianOil fuel stations until monthly fuel points cap is reached
Fuel reward value depends on using IndianOil fuel stations and XTRA Rewards redemption
Latest change: Data correction: fee and waiver metadata corrected from current issuer schedule; this is not a claim of a new fee incre...
For IndianOil fuel spends. 1.9% on fuel spend. ₹1,500 fee, waiver at ₹2,75,000 / year. Verify the lounge spend rule before applying.
You should be able to scan the fee, waiver rule, best use case, lounge condition, and biggest downside in one pass.
IndianOil fuel spends
These are the rules and drawbacks most likely to make the card feel disappointing after signup.
How to use the card well, and what to watch before applying.
Compare this card side-by-side or jump into a few strong alternatives before you move into the deeper research sections.
Users combining EMI purchases with regular online shopping
Drivers with consistent monthly fuel spends
Drivers who frequently refuel at IndianOil outlets
Keep the topline simple first. Open the calculators only if the fee, waiver rule, and reward shape still look attractive.
Joining fee ₹1,500
Waived on eligible annual spends of ₹275,000
Fuel spend
70% split equally across Shopping, Travel, Dining; 30% other eligible spend. Standard redemption value. Renewal-year estimate after annual fee; excludes joining costs, taxes and unmodeled exclusions.
Live offers, redemptions, and milestone math are useful for optimization, but they should not crowd the main decision.
Offer availability changes often.
This card is better treated as direct cashback or feature value.
No standout milestone boost highlighted.
Keep the headline simple first. Open the full checklist and airport map only if lounge access matters for this card.
0 domestic • 0 international policy count
Card-level policy notes: • No complimentary lounge access is listed for this card. Verify latest spend criteria and guest access with issuer before travel.
Derived from card policy signals
Lounge access data for this card could not be confidently matched. Please verify lounge eligibility directly with the issuer before relying on access.
Review excluded spending, renewal charges and benefit conditions before deciding whether this card fits your needs.
This card does not have publishable enrichment records in the current high-confidence snapshot.
Check which benefits have issuer evidence, when each field was reviewed, and where the model remains incomplete.