SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for fuel, groceries, and bill payments.
Why it can work
It offers accelerated rewards on fuel spends at indianoil outlets.
Where value may drop
The renewal fee is waived only on Rs 50,000 of annual spend. Rent, wallet loads, and government payments don't earn rewards. Monthly reward caps apply on the top categories.
Quick facts
The key fields before the full details.
Reward calculator
Enter your monthly spend to estimate how many fuel points you earn and what they are worth.
What your points are worth
Same points, very different value depending on how you redeem.
How you earn it
| Category | Monthly spend | Fuel Points/yr |
|---|---|---|
| Fuel | Rs 3,000 | 1,800 |
| Groceries | Rs 5,000 | 1,200 |
| Utility bills | Rs 3,000 | 1,200 |
| UPI payments | Rs 5,000 | 400 |
| Other spends | Rs 8,000 | 640 |
Estimates only. Reward rates, caps, and redemption values follow each bank's current terms and can change.
Best for / avoid if
Who this card suits — and who should skip it.
Best for Fuel Spends At IndianOil Outlets
5 Fuel Points / Rs 100 spent
Avoid for heavy international use
A 3.5% forex markup is on the higher side for overseas spends.
Avoid if you spend big on rent, wallet loads, and government payments
These categories are excluded and won't earn rewards.
Avoid if you expect uncapped rewards
Top reward categories are capped each month, so very high spends don't scale linearly.
Rewards and redemption
Earn rates, caps, and how points convert to value.
| Category | Rate | Monthly cap |
|---|---|---|
| Fuel spends at IndianOil outlets | 5 Fuel Points / Rs 100 spent | 150 fuel points |
| Grocery spends | 5 Fuel Points / Rs 100 spent | 100 fuel points |
| Utility & Bill Payments | 5 Fuel Points / Rs 100 spent | 100 fuel points |
| Other retail spends | 1 Fuel Point / Rs 150 spent | - |
| UPI transactions | 1 Fuel Point / Rs 150 spent | - |
Redemption
Lounge and milestone rules
The spend conditions worth knowing before you rely on a benefit.
Exclusions
Categories that earn no rewards on this card.
- fuel transactions at non-IndianOil petrol pumps
- wallet loading
- returned purchases
- disputed or fraudulent transactions
- EMI transactions
- account fees and payments
- jewellery or gold purchases
- rental payments
- government payments
Benefits and fine print
Welcome, renewal, and other listed benefits.
Joining benefits
- INR 250 worth of voucher upon card activation and completion of at least one transaction within 37 days from card issuance
Additional benefits
- Complimentary IndianOil XTRAREWARDS Program membership
- 1% fuel surcharge waiver at all Indian fuel stations on transactions from Rs 400 to Rs 5,000, capped at Rs 250 per statement cycle
- Up to 50 days interest-free credit period
- Contactless payments enabled
Eligibility
Check this before you apply.
Salaried
- Indian national
- Age 21 to 60 years
- Net monthly income greater than Rs 10,000
Self-employed
- Indian national
- Age 21 to 65 years
- ITR greater than Rs 6 lakh per annum
Compare before you decide
Alternatives based on what you might want instead.