Movie & Dining

N/A

Rewards Rate

5% of spends as Fuel Points at IndianOil outlets, groceries, and bill payments, 1 Fuel Point on every Rs. 150 spent on all other purchases, reward rate of up to 4.8%

Reward Redemption

Fuel Points redeemable for Free Fuel using the complimentary IndianOil XTRAREWARDS Program (IXRP) membership at IndianOil outlets (1 FP = 96 Paise), through net-banking towards catalog products (1 FP = 20 Paise) and as cashback on the credit card (1 FP = 20 Paise)

Travel

N/A

Golf

N/A

Domestic Lounge Access

N/A

International Lounge Access

N/A

Insurance Benefits

N/A

Zero Liability Protection

Zero liability of credit cardholders against any unauthorized transaction if the loss or theft is reported to the bank within 24 hours post-loss or theft.

Spend Based Waiver

The renewal fee will be waived on spends of Rs. 50,000

Rewards Redemption Fee

Rs 99 per redemption request

Rewards Redemption Fee

Rs 99 per redemption request

Foreign Currency Markup

3.5% of the amount transacted

Interest Rates

3.6% per month (or 43.2% per annum)

Fuel Surcharge

On a minimum fuel transaction of Rs. 400, you will get a fuel surcharge waiver of 1%.

Cash Advance Charges

2.5% of the amount withdrawn subject to a minimum charge of Rs 500.

Add-on Card Fee

Nil