IndianOil RBL Bank XTRA Credit Card
Best for indianOil fuel spends. 15 fuel points/Rs100 at IndianOil (8.5% valueback incl. surcharge waiver); 2 FP/Rs100 other; 1 FP=Rs0.50
Terms as of 2026-09-27 · Checked 30 September 2026IndianOil RBL Bank XTRA Credit Card at a glance
Who it suits: IndianOil fuel spends
Rewards & cashback
| Details | |
|---|---|
| How you earn | 15 fuel points/Rs100 at IndianOil (8.5% valueback incl. surcharge waiver); 2 FP/Rs100 other; 1 FP=Rs0.50 |
| Caps & exclusions | IndianOil points capped 2,000/month |
| Welcome benefit | 3,000 FP on Rs500 spend in 30 days; 1,000 FP on Rs75,000 quarterly spend |
Yearly reward value at base rate
| Spend | Rewards (base rate) | Net of annual fee + GST |
|---|---|---|
| ₹1,20,000 / year | ₹1,200 | -₹570 |
| ₹3,00,000 / year | ₹3,000 | ₹3,000 |
| ₹6,00,000 / year | ₹6,000 | ₹6,000 |
| ₹12,00,000 / year | ₹12,000 | ₹12,000 |
Base rate only; accelerated categories raise the value, caps and excluded categories (rent, fuel, wallet, utilities etc. on many cards) lower it.
Travel, lounge & fuel benefits
| Benefit | Details |
|---|---|
| Fuel surcharge | 1% waiver up to Rs200/month |
| Forex markup | 3.50% + 18% GST on the markup |
Fees & charges
| Charge | Amount |
|---|---|
| Joining fee | ₹1,500 + GST |
| Annual / renewal fee | ₹1,500 + GST |
| Fee waiver | Annual spend Rs2.75 lakh |
| Finance charge | Typically about 3.5%–3.75% per month on revolved balances (lower on some premium and secured cards) — see MITC |
| Cash withdrawal | Usually 2.5% (min ₹500) + interest from day one |
| Late payment | Slab-based, only if unpaid more than 3 days past due |
| GST | 18% on all fees and interest |
Is it worth it for you?
Eligibility & documents
| Criterion | Details |
|---|---|
| Age | 25-65 (Paisabazaar) |
| Credit score | 750+ improves approval chances |
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Frequently asked questions
What is the annual fee of the IndianOil RBL Bank XTRA Credit Card?
Joining fee ₹1,500 and annual fee ₹1,500 (plus 18% GST). Annual spend Rs2.75 lakh.
What rewards does it offer?
15 fuel points/Rs100 at IndianOil (8.5% valueback incl. surcharge waiver); 2 FP/Rs100 other; 1 FP=Rs0.50 Caps/exclusions: IndianOil points capped 2,000/month
What is the forex markup?
3.50% on international transactions, plus 18% GST on the markup. On ₹1 lakh spent abroad that is about ₹4,130.
Is the IndianOil RBL Bank XTRA Credit Card good for me?
Best for: IndianOil fuel spends. Compare the net value after fees with how and where you actually spend — the calculator on this page helps.
Source: www.rbl.bank.in, 2026-09-27. Card benefits change frequently — confirm the latest Most Important Terms & Conditions (MITC) on RBL Bank’s website before applying. FinancePortal is not affiliated with the issuer.