IndianOil RBL Bank XTRA Credit Card
RBL Bank · Open to apply
RBL's richer IndianOil co-brand fuel card: 15 Fuel Points per ₹100 at IndianOil fuel stations (up to 2,000 a month) and 2 per ₹100 elsewhere, 3,000 welcome Fuel Points, 1,000 Fuel Points for each ₹75,000 quarter, and a ₹1,500 fee waived at ₹2.75 lakh of annual spend. A Fuel Point is worth ₹0.50 on fuel at IndianOil.
- Annual fee
- ₹1,500 + GST a year
- Joining fee
- ₹1,500 + GST
- Fee waiver
- Annual fee waived on ₹2,75,000 spend per card year
- Base rate
- 2 Fuel Points per ₹100 on all other eligible spends: 2 Fuel Points per ₹100 (about 1% at cash value)
- Lounges
- None on record
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- 15 Fuel Points per ₹100 at IndianOil fuel stations (up to 2,000 a month): 15 Fuel Points per ₹100 (about 7.5% at cash value)
Earns nothing on
- No Fuel Points on utilities, insurance, quasi-cash, rent, education, wallet loads, government services, cash, EMI
- No Fuel Points on railways
Terms the calculator does not value
- Fuel Points are worth ₹0.50 only as fuel at IndianOil through XTRA Reward points, and ₹0.10 on the RBL portal; the card's value depends on filling up at IndianOil. The page says "250 litres of free petrol annually" on ₹45,000 monthly spend and "8.5% value-back", which assume the ₹0.50 value.
- The page's category list for exclusions includes "Fuel & Auto" in its MCC definitions, but the T&C's list of excluded categories (3.2 and 3.7) does not; fuel at other pumps is taken to earn 2 Fuel Points per ₹100.
- On the RuPay variant, offline UPI transactions under ₹2,000 at small merchants (turnover up to ₹20 lakh) earn no Fuel Points or other benefits. The calculator cannot tell the merchant size.
- The 7.5% value-back at IndianOil needs the station's terminal and merchant IDs to be on IndianOil's list; a station not on it earns 2 Fuel Points per ₹100.
Sources
- RBL Bank, IndianOil RBL Bank XTRA Credit Card page (Product page, the bank's own, read 6 Nov 2026)
- RBL Bank, IndianOil RBL Bank XTRA Credit Card Terms and Conditions (Reward terms, the bank's own, read 6 Nov 2026)
- RBL Bank, IndianOil RBL Bank credit cards FAQs (FAQ, the bank's own, read 6 Nov 2026)
- RBL Bank, Best Credit Cards listing (Product page, the bank's own, read 6 Nov 2026)
- RBL Bank, Most Important Terms and Conditions cum Key Fact Statement for Credit Cards (PDF modified 2026-08-20) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- RBL Bank, Schedule of Charges for credit cards, RBL-CC-SOC-V2-04-06-2026 (Schedule of charges, the bank's own, read 6 Nov 2026)