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Best for: Heavy fuel users, IndianOil customers, daily commuters, fleet owners, frequent drivers
IndianOil XTRA Credit Card
APPLY NOW
on RBL Bank's website
Annual fee
₹1,500
#206Rewards rate
₹1.00 - ₹6.25/₹100
#30Joining fee
₹1,500
#207Interest rate
47.88%
#267 Card details
Forex Markup
3.50%
#75
Min Credit Score
750+
#186
Categories Everyday Spending, Fuel, Rewards, Shopping
CardNitty's take
Pros
- 15 fuel points per Rs.100 at IndianOil (7.5% value-back)
- 1% fuel surcharge waiver (up to Rs.200/month)
- Total 8.5% savings on fuel purchases
- 3,000 welcome fuel points on first transaction
- 1,000 fuel points on Rs.75K quarterly milestone
- Up to 250 litres of free fuel per year
- Available on both Mastercard and RuPay
- RuPay variant offers UPI and NCMC functionality
- 2 fuel points per Rs.100 on non-fuel spends
- Rs.1,500 annual fee waived on Rs.2.75L spend
- Best fuel rewards card in India
- XTRAREWARDS loyalty program enrollment
Cons
- No airport lounge access (domestic or international)
- Maximum 2,000 fuel points per month (capped)
- Rs.1,500 + GST joining and annual fee
- Annual fee waiver requires significant non-fuel spend
- High APR of 47.88% per annum
- Forex markup of 3.5%
- Rs.99 reward redemption fee
- No travel insurance coverage
- No concierge services
- Limited benefits beyond fuel rewards
- Excluded merchant categories (utilities, insurance, wallets, etc.)
- RuPay UPI spends under Rs.2K at small merchants excluded