You will get lot of options in this credit card. You will get upto 71 litres free petrol in whole year. If you use at indian oil outlet then for every 125 rupees you will get 4× turbo points and you can rdeem your point at indian oil outlet, as a cash back also. You can adjust your rewards point in your bill. Rewards points will never expire. Instant loan facility is there after first bill generation. Annual fee is 999 but waived of condition, you have to cross 30000 in whole year.