
Joining Fee
₹500
Annual Fee
Rs. 500 (Reversed on annual spends of Rs. 1.75 Lakhs)
IndianOil RBL Bank Credit Card
Rewards Structure
Base Reward Rate
1% on spends
Point Value
1 Point = ₹0.5
Earning Cap
₹1,000 /monthly
Pros
- 6% valueback at IndianOil fuel stations
- Up to 100 litres free petrol annually
- 1% fuel surcharge waiver up to INR 100/month
- Annual fee waived on INR 1,75,000 annual spend
- Low joining/annual fee of INR 500
- Available on both Mastercard and RuPay networks
- RuPay variant supports UPI payments
Cons
- Accelerated fuel points capped at 1,000 per month
- Welcome benefit only applicable after annual membership fee is paid
- Annual fee waiver benefit only applicable if annual fee is paid first
Hidden Catches (Transparency Policy)
To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.
Many categories excluded from fuel point benefit and annual fee waiver: Utilities, Insurance, Quasi-Cash, Railways, Real Estate/Rental, Education, Wallets, Government Services, Contracted Services, Cash, Miscellaneous, Bills2Pay, EMI conversions
Offline UPI transactions under INR 2,000 at small merchants on RuPay variant not eligible for rewards
Accelerated fuel points only at eligible IndianOil TID/MID fuel stations
Key Benefits & Features
1 fuel point per INR 100 spent on all other purchases (dining, shopping, etc.)
Available on RuPay network with NCMC and RuPay Credit Card on UPI features
Notable Exclusions
*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.
These details are based on information updated on . Fees and benefits change often - confirm on the issuer's own page before applying.
About IndianOil RBL Bank Credit Card
The IndianOil RBL Bank Credit Card is a co-branded fuel credit card designed for drivers and daily commuters who regularly refuel at IndianOil fuel stations. Built around a fuel points rewards system, the card delivers up to 6% valueback on IndianOil fuel purchases, with cardholders earning 10 fuel points for every INR 100 spent at IndianOil stations, up to 1,000 fuel points per month. Every other purchase earns 1 fuel point per INR 100 spent, ensuring rewards accumulate across dining, shopping, and everyday expenses. Each fuel point carries a redemption value of INR 0.50 toward XTRA Reward Points at IndianOil fuel stations, and consistent monthly spends of INR 20,000 can unlock the equivalent of up to 100 litres of free petrol annually. New cardholders receive 1,000 welcome fuel points upon spending INR 500 within the first 30 days. The card also provides a 1% fuel surcharge waiver of up to INR 100 per month, reducing the cost of every fill-up. With a joining and annual fee of INR 500, the fee is waived entirely for cardholders who spend INR 1,75,000 or more in a year. Available on both Mastercard and RuPay networks, the RuPay variant additionally supports National Common Mobility Card and RuPay Credit Card on UPI functionality.
Our Verdict
India's best fuel credit card with 6% valueback at IndianOil stations & 100L free petrol annually.
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