Home / RBL Bank / IndianOil XTRA Credit Card
Card Image

IndianOil XTRA Credit Card

RBL Bank
|
Everyday Spending Fuel Rewards Shopping

Annual Fee

₹1,500

Rewards/₹100 ⓘ

₹1.00 - ₹6.25

Normalized to balance base rate with bonus categories

Interest Rate

47.88%

Credit Score

750+

At a Glance

Key Benefits

15 fuel points/Rs.100 at IndianOil (7.5% value), 1% fuel surcharge waiver, 3K welcome points, Rs.2.75L fee waiver

Lounge Access

No lounge access available

Eligibility

Age: 18-65 years, Monthly income: Rs.20,000+, CIBIL score: 750+

Quick Details

Annual Fee
₹1,500 #206
Joining Fee
₹1,500 #207
Interest Rate
47.88% p.a. #267
Forex Markup
3.50% #75
Rewards/₹100
₹1.00 - ₹6.25 #30
Reward Type Reward Points
Reward Currency Points
Min Credit Score
750+ #186
Min Monthly Income ₹NaN
Network MASTERCARD
Card Replacement Fee 100
Late Payment Fee ₹1,300
Over Limit Fee 2.50%
Cash Advance Fee 2.50% (min ₹500)
Card Replacement Fee ₹100
Fee Waiver on Spend ₹2,75,000/yr

Reward Structure

Base

All Spends

₹1.00 /₹100
Cat

IndianOil Fuel Stations

₹7.50 /₹100

Reward Calculator

₹
Allocate by Category 100%
IndianOil Fuel Stations
15.0 pts
60% ₹0
Other Spends
2.0 pts
40% ₹0
Your Rewards
Points Earned 0
Cash Value ₹0
Breakdown
Quick amounts:

Milestone Benefits

Welcome Bonus

3,000 fuel points (worth Rs.1,500) on first transaction of at least Rs.500 within 30 days of card issuance

Spend ₹500 within 30 days

₹1,500

value

Milestone

1,000 fuel points (worth Rs.500) on crossing quarterly milestone spend of Rs.75,000

Spend ₹75,000 within 90 days

₹500

value

Insurance Coverage

Lost Card

₹0

Standard lost card liability protection as per RBL Bank policy

Lifestyle Perks

Fuel

1 /month

1.00% off

1% fuel surcharge waiver up to Rs.200 per month on fuel purchases at all fuel stations across India

Other

1

XTRAREWARDS loyalty program enrollment for additional benefits at IndianOil outlets

Other

1

RuPay variant: UPI integration for credit card payments via UPI apps

Other

1

RuPay variant: NCMC (National Common Mobility Card) functionality for seamless travel and transit payments

Quick Analysis

The IndianOil RBL XTRA Credit Card is India's most rewarding fuel card, offering up to 8.5% savings on fuel purchases - surpassing competitors like BPCL SBI Octane (7.25%). With 15 fuel points per Rs.100 at IndianOil outlets plus 1% fuel surcharge waiver, heavy fuel users can save significantly. However, the lack of lounge access and limited non-fuel benefits make this a specialized card best suited for those with consistent IndianOil fuel spending.

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

Best For

Heavy fuel users, IndianOil customers, daily commuters, fleet owners, frequent drivers

Not Ideal For

Those seeking lounge access, travelers, low fuel spenders, premium lifestyle benefits

Frequently Asked Questions

What are the joining and annual fees for IndianOil RBL XTRA Credit Card?
The joining fee is Rs.1,500 + GST and the annual fee from the second year onwards is also Rs.1,500 + GST. The annual fee is waived if you spend more than Rs.2,75,000 per year.
What is the reward structure of the IndianOil RBL XTRA Credit Card?
You earn 15 fuel points per Rs.100 spent at IndianOil fuel stations (7.5% value-back) plus 1% fuel surcharge waiver, giving total savings of 8.5%. On non-fuel purchases, you earn 2 fuel points per Rs.100. The fuel rewards are capped at 2,000 fuel points per month. Each fuel point is worth Rs.0.50 for buying XTRAREWARDS points redeemable at IndianOil fuel stations.
What are the welcome and milestone benefits?
You receive 3,000 fuel points (worth Rs.1,500) on making the first card transaction of at least Rs.500 within 30 days of card issuance. Additionally, you get 1,000 fuel points (worth Rs.500) on crossing quarterly milestone spends of Rs.75,000.
How much can I save on fuel with this card?
According to RBL Bank, cardholders can save up to 8.5% on fuel purchases, which can amount to up to 250 litres of free fuel per year with consistent usage and monthly spends of Rs.45,000. This makes it India's most rewarding fuel credit card.
Does the card offer airport lounge access?
No, the IndianOil RBL XTRA Credit Card does not offer any complimentary airport lounge access, either domestic or international.
What is the fuel surcharge waiver benefit?
You get a 1% fuel surcharge waiver of up to Rs.200 per month on fuel purchases across all fuel stations in India. This is in addition to the 7.5% fuel points earned on IndianOil purchases.
Is the card available on RuPay network?
Yes, the IndianOil RBL XTRA Credit Card is available on both Mastercard and RuPay networks. The RuPay version offers additional benefits including UPI integration and NCMC (National Common Mobility Card) functionality for seamless travel and transit payments.
What spending categories are excluded from earning fuel points?
The following categories are excluded: Utilities, Insurance, Government Services, Railways, Real Estate/Rental, Education, Wallets and Service Providers, Cash Withdrawals, Contracted Services, Quasi-Cash, Fees/Charges/GST, Bills2Pay, EMI conversions, offline UPI spends under Rs.2,000 at small merchants (RuPay variant), and Miscellaneous.
What is the interest rate on the IndianOil RBL XTRA Credit Card?
The annual interest rate (APR) is up to 3.99% per month, which equals 47.88% per annum. The interest-free period is up to 50 days from the statement date if you pay the full amount by the due date.
What is the forex markup fee?
The forex markup fee is 3.5% + GST of the transaction amount for all international transactions, which works out to 4.13% including GST.
What insurance coverage does the card provide?
The card provides standard lost card liability protection as per RBL Bank policy. There is no specific personal accident insurance, travel insurance, or other comprehensive insurance coverage mentioned for this card.
Who is eligible to apply for this card?
Applicants should be between 18-65 years old with a minimum monthly income of Rs.20,000 and a credit score of 750 or above. Both salaried and self-employed individuals can apply, and you must have a regular source of income.
Is there a fee for redeeming fuel points?
Yes, there is a reward redemption fee of Rs.99 per redemption request. Fuel points are redeemed as XTRAREWARDS points which can be used at IndianOil fuel stations.
What are the cash advance charges?
Cash advance charges are 2.5% of the amount withdrawn or Rs.500, whichever is higher. Interest is charged from the date of withdrawal.
Can I achieve the annual fee waiver with only fuel spends?
No, fuel spends alone may not be sufficient to reach the Rs.2,75,000 annual spend required for fee waiver, as the monthly fuel points are capped at 2,000 points. You will need to use the card for non-fuel purchases as well to meet the waiver threshold.

User Reviews

Our Rating

3.4
APPLY NOW

on RBL Bank's website

Rating Breakdown

Rewards
4.2/5 Top 19%
Benefits
2.8/5 Top 54%
Fees
3.1/5 Top 69%
Value for Money
3.4/5 Top 44%
User Reviews
3.0/5 Top 50%

Important Links

Ready to Apply for IndianOil XTRA Credit Card?

Get started with your application today and enjoy premium benefits, rewards, and exclusive privileges.

Apply Now
APPLY NOW

Compare Cards

0 of 4 cards selected

No cards selected

Add cards to compare their features, fees, and rewards side by side.

Select at least 2 cards to compare