RBL IndianOil XTRA Credit Card: Fees, Rewards & Benefits
Fuel card
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The RBL IndianOil XTRA is a focused fuel card that delivers up to about 8.5% valueback at IndianOil pumps plus 4,000 Fuel Points a year from quarterly milestones. The 2,000-point monthly fuel cap and 1% base rate mean its value is concentrated almost entirely on IndianOil refuelling.
Fuel card
The Bottom Line
The RBL IndianOil XTRA is built for regular indianoil customer and mid-spend cardholder. With a ₹1,500 annual fee that is waived on ₹2,75,000 yearly spend, it offers 7.5% rewards on indianoil fuel stations (fuel) and 3,000 bonus points. It makes the most sense if your spending matches regular indianoil customer and mid-spend cardholder.
It earns a base reward rate of 1% and stacks best when your spending lines up with Regular IndianOil customer, Mid-spend cardholder. The renewal fee gets easier to justify once you can hit ₹2,75,000 in yearly spend.
Who Should Get This Card
Use this as a quick filter before comparing rewards or fees in detail.
Best fit for
IdealA commuter who fuels up primarily at IndianOil pumps and can capture the 15-points-per-Rs.-100 accelerated rate up to the 2,000-point monthly cap for up to ~8.5% fuel valueback.
Someone spending over Rs. 2,75,000 a year who clears the fee waiver and stacks the quarterly Rs. 75,000 milestones for 4,000 Fuel Points annually.
Probably not for
SkipDrivers who refuel elsewhere or spend little on fuel miss the headline benefit and are left with a 1% base earn.
With no lounge access and a 3.5% forex markup, this card adds nothing for travel.
Is It Worth It For You?
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Reward Rates
RBL IndianOil XTRA offers 1% basic reward rate.
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Welcome Offer
3,000 Fuel Points on making the first card transaction of at least INR 500 within 30 days of card issuance. Welcome benefit is applicable only after the annual membership fee is paid.
Milestone Benefits
1,000 Fuel Points on crossing the quarterly spend milestone of INR 75,000. Cash withdrawals, EMI, fees, charges and GST are not counted towards the milestone. Up to 4,000 Fuel Points per year achievable across the four quarters.
Annual membership fee of INR 1,500 + GST waived on annual spends exceeding INR 2,75,000.
Fees & Charges
Eligibility
- Min Income: ₹2 Lakhs
- Min Credit Score: 750
- Salaried min ~Rs 15,000/month (Rs 1.8L p.a.); self-employed min ITR Rs 2L p.a.; fuel card with up to 8.5% valueback at IndianOil outlets.
Exclusions & Terms
Quasi-Cash
- Does not earn Fuel Points.
EMI Conversions
- Does not earn Fuel Points and is excluded from milestone spend calculation.
Cash Withdrawals
- Does not earn Fuel Points and is excluded from milestone spend calculation.
Frequently Asked Questions
2 data-backed answers from our card database
Ready to apply?
₹1,500 annual fee. Apply on the RBL Bank website.
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