So, actually I was waiting to see some low-light without flash images captured with Lumia 1020 posted by some real users. We have already seen Lumia 9XX series phones capturing 5 times more light than competition smartphones due to OIS. But, when we talk about having OIS and oversampling together then we imagine awesome light capture and details together not captured by any other smartphone.
So, here it is!! Awesome low-light images with Lumia 1020 with great level of resolved details and would you believe these have been captured without using flash.
You can see more images by clicking here.