IOCL Fuel: 20 EDGE pts/Rs 100 (~4% back), capped Rs 5,000/month - save Rs 2,400/yr
Fuel Surcharge Waiver: 1% waiver capped at Rs 50/month - save Rs 600/year
Online Spends: 5 EDGE pts/Rs 100 (~1% back), capped at Rs 5,000/month - save Rs 600/yr
Welcome Cashback: 100% cashback up to Rs 250 on first fuel purchase in 30 days
RuPay Network: Works with UPI, enabling QR-based card-on-UPI transactions
Dining: Up to 15% off via Axis Dining Delights/EazyDiner
Enjoy mid-week savings every Wednesday with up to 15% off on Flights and Hotels via Goibibo & MakeMyTrip, 10% off on Swiggy and Amazon Fresh orders, and 10% off (up to Rs 1,000) on Tira

FEES AND LIST OF ALL CHARGES
Joining Fee: Rs 500 + GST, partially covers by welcome cashback worth Rs 250
Annual Fee: Rs 500 + GST, from second year onwards, waiver at Rs 3.5L yearly spend

DOCUMENTS NEEDED
ID Proof: PAN Card/Form 60
Address Proof: Aadhaar, Passport, or utility bills
Income Proof: Bank statements or Salary slips
Photograph: Recent passport-sized photo

ELIGIBILITY CRITERIA
Age: 21 to 65 years
Employment: Both salaried and self-employed individuals
Minimum Monthly Income: Rs 25,000 (Salaried) and Rs 3,60,000 per annum (Self-Employed)
Credit Score: 736+
New-to-Credit: Not Allowed