10 fuel points per ₹100 spent at IndianOil fuel stations
1 fuel point per ₹100 spent on all other purchases like shopping and everyday spends
1 fuel point = ₹0.5 redemption value at IndianOil fuel stations
Welcome benefit of 1,000 fuel points worth ₹500 on spending ₹500 within 30 days
Up to 100 litres free petrol annually as fuel points on monthly spends of ₹20,000
Fees
Joining FeeEarn 1,000 Fuel Points (worth ₹500) on spending ₹500 within 30 days of card issuance, effectively offsetting the joining fee.
₹590
₹500 + GST
Annual FeeThe annual fee is waived if you spend ₹1.75 lakh or more in a year on your card, as per bank policy.
₹590
₹500 + GST
Eligibility
Age
21-70 years
Salary
₹25K / Month
Credit Score
720+
Bank Fee Structure
Forex Markup3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. Examples (3.5%): ₹100 → ₹3.5 ₹1,000 → ₹35 ₹10,000 → ₹350 ₹1,00,000 → ₹3,500
3.50%
Finance Charges (APR)Finance charges of 3.99% per month (47.88% per annum) apply on unpaid outstanding balances until the amount is fully repaid.
3.99%
ATM Withdrawal2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable).
2.50%
Reward RedemptionA reward redemption handling fee of ₹99 plus applicable GST is charged per redemption request.
₹99
Railway SurchargeA railway booking surcharge of 1.80% for online transactions and 2.50% for other bookings is applied, with additional bank charges and taxes recovered at actuals.
1.80%
Rent Payment1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges
1%
Cheque PaymentNo cheque payment fee is charged
Not Applicable
Cash Payment₹100 cash payment fee per deposit.
₹100
Late Payment Charges
Amount due
Fee
₹0 - ₹40
₹5
₹41 - ₹100
₹10
₹101 - ₹500
₹100
₹501 - ₹5,000
₹500
₹5,001 - ₹10,000
₹750
₹10,001 - ₹25,000
₹950
₹25,001 - ₹50,000
₹1,100
₹50,000 and above
₹1,300
Additional ₹100 is charged if Minimum Amount Due remains unpaid for two consecutive cycles, continuing until cleared
No Rewards On
All ReversalsCancelled TransactionsCash AdvancesATM Cash WithdrawalsQuasi-Cash TransactionsMoney TransfersP2P TransfersWallet LoadsGift Cards and VouchersEMI SpendsBank Charges & FeesLate Payment FeesProcessing FeesFinancial ChargesInterest ChargesPayment Returned ChargesService/Interest ChargesTransaction ChargesEducation SpendsFuel Spends (at non-IndianOil outlets)Fuel SurchargeToll PaymentsGambling TransactionsLotteryOnline Skill-Based GamingGovernment-related TransactionsUtility Bill PaymentsTelecomTaxesInsurance PaymentsJewellery PurchasesForex TransactionsCryptocurrency/Digital Asset TransactionsRent PaymentRailwaysTransportationBusiness ServicesContracted ServicesCollection AgenciesSecurity Broker ServicesCharityDonationsAntique ItemsLoad MoneyLiquid AssetsOutstanding PaymentsVoucher PurchasesDonations to Religious OrganizationsDonations to Political OrganizationsSmartpaySmartbuy Portal
Excluded Spends
All ReversalsCancelled TransactionsCash AdvancesATM Cash WithdrawalsQuasi-Cash TransactionsMoney TransfersP2P TransfersWallet LoadsGift Cards and VouchersEMI SpendsBank Charges & FeesLate Payment FeesProcessing FeesFinancial ChargesInterest ChargesPayment Returned ChargesService/Interest ChargesTransaction ChargesEducation SpendsFuel SurchargeToll PaymentsGambling TransactionsLotteryOnline Skill-Based GamingGovernment-related TransactionsUtility Bill PaymentsTelecomTaxesInsurance PaymentsJewellery PurchasesForex TransactionsCryptocurrency/Digital Asset TransactionsRent PaymentRailwaysTransportationBusiness ServicesContracted ServicesCollection AgenciesSecurity Broker ServicesCharityDonationsAntique ItemsLoad MoneyLiquid AssetsOutstanding PaymentsVoucher PurchasesDonations to Religious OrganizationsDonations to Political OrganizationsSmartpaySmartbuy Portal
Terms & Conditions
The bank may offer a different card variant based on your eligibility. Please carefully read the features of the card offered before submitting your application
A minimum transaction of Rs.100 within 30 days is required to activate the card, otherwise, you won’t be eligible for the Rewards
