MyFinCards
IndianOil RBL Bank Credit Card

Joining Fee

₹500

Annual Fee

Rs. 500 (Reversed on annual spends of Rs. 1.75 Lakhs)

RBL Bank
Fuel
Rewards
Best For: Frequent IndianOil fuel station users, Daily commuters, Budget-conscious drivers seeking fuel savings

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

No fuel points or annual fee waiver on UtilitiesNo fuel points or annual fee waiver on InsuranceNo fuel points or annual fee waiver on Quasi-CashNo fuel points or annual fee waiver on RailwaysNo fuel points or annual fee waiver on Real Estate/RentalNo fuel points or annual fee waiver on EducationNo fuel points or annual fee waiver on Wallet/Service ProvidersNo fuel points or annual fee waiver on Government ServicesNo fuel points or annual fee waiver on Contracted ServicesNo fuel points or annual fee waiver on CashNo fuel points or annual fee waiver on MiscellaneousNo fuel points or annual fee waiver on EMI conversions (Split-N-Pay & EMI at POS/Web/Mobile App), fees, charges, and GSTNo fuel points or annual fee waiver on Bills2Pay transactionsFuel & Auto MCCs excluded from accelerated fuel points calculation for spend tracking

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

Official Terms & Conditions

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.

Expert Review

Our Verdict

India's best fuel credit card with 6% valueback at IndianOil stations & 100L free petrol annually.

Frequently Asked QuestionsAbout IndianOil RBL Bank Credit Card

FEESWhat is the joining fee and annual fee for the IndianOil RBL Bank Credit Card?
The IndianOil RBL Bank Credit Card comes with a joining fee of INR 500 + GST and an annual membership fee of INR 500 + GST. However, the annual fee is waived if you spend INR 1,75,000 or more in a year. Please note that the annual fee waiver benefit is applicable only if the annual fee is paid first.
FEESHow can I get the annual fee waived on the IndianOil RBL Bank Credit Card?
You can get the annual fee waived by spending INR 1,75,000 or more annually using your IndianOil RBL Bank Credit Card. It is important to note that the annual fee waiver benefit is applicable only if the annual fee has already been paid. Also, certain categories like utilities, insurance, railways, government services, and cash transactions are excluded from this spend calculation.
BENEFITSWhat is the welcome benefit on the IndianOil RBL Bank Credit Card?
As a welcome benefit, you get 1,000 Fuel Points on beginning your card journey. To unlock this, you need to make a purchase of INR 500 or more within 30 days of receiving your card. Please note that the welcome benefit is applicable only after the annual membership fee is paid.
REWARDSHow many fuel points do I earn at IndianOil fuel stations?
You earn 10 Fuel Points for every INR 100 spent at IndianOil fuel stations, which translates to a 5% value back as accelerated fuel points. Additionally, you get a 1% fuel surcharge waiver on fuel transactions. The accelerated fuel points are capped at a maximum of 1,000 fuel points per month at IndianOil fuel stations.
REWARDSWhat is the value of 1 Fuel Point and how can I redeem it?
1 Fuel Point is equal to INR 0.5 when used for buying XTRA Reward Points redeemable at IndianOil Fuel Stations. This means that 10 Fuel Points earned on every INR 100 spent at IndianOil stations provides a 5% value back. Reward points are redeemable exclusively at IndianOil fuel stations.
BENEFITSHow do I earn up to 100 litres of free petrol annually?
You can earn up to 100 litres of free petrol as fuel points annually by spending INR 20,000 per month on your IndianOil RBL Bank Credit Card. The card offers a 6% total value back at IndianOil fuel stations — comprising 5% from accelerated fuel points and 1% from the fuel surcharge waiver — helping you accumulate points equivalent to 100 litres of petrol over the year.
REWARDSDo I earn fuel points on non-fuel purchases?
Yes, you earn 1 Fuel Point for every INR 100 spent on all other purchases such as dining, shopping, and everyday expenses. However, certain merchant categories are excluded from fuel point benefits, including utilities, insurance, railways, real estate, education, government services, cash transactions, quasi-cash, wallets, and EMI conversions.
BENEFITSWhat is the fuel surcharge waiver benefit on this card?
The IndianOil RBL Bank Credit Card offers a 1% fuel surcharge waiver of up to INR 100 per month. This benefit applies when you refuel at fuel stations and helps you save on the surcharge typically charged on fuel transactions, making every refueling more economical and convenient.
BENEFITSOn which payment networks is the IndianOil RBL Bank Credit Card available?
The IndianOil RBL Bank Credit Card is available on both Mastercard and RuPay networks. Cards issued on the RuPay network come with additional features including National Common Mobility Card (NCMC) functionality and the ability to use the card on UPI (Unified Payment Interface) for payments.
USAGEAre there any exclusions for earning fuel points and the annual fee waiver?
Yes, certain merchant categories are excluded from both the fuel point benefit and the annual fee waiver calculation. These include utilities, insurance, quasi-cash, railways, real estate/rental, education, wallets/service providers, government services, contracted services, cash transactions, miscellaneous categories, Bills2Pay, and EMI conversions (Split-N-Pay and POS/Web/Mobile App EMI requests). Categories are defined as per Mastercard/RuPay/VISA guidelines.
USAGECan I use the RuPay variant of the IndianOil RBL Bank Credit Card on UPI?
Yes, the RuPay variant of the IndianOil RBL Bank Credit Card supports UPI payments. However, please note that offline UPI transactions under INR 2,000 made at small merchants (merchants with turnover of not more than INR 20 lakh during the previous financial year) will not be eligible for reward points, voucher benefits, milestone benefits, or any other product benefits.
REWARDSIs there a cap on the accelerated fuel points I can earn each month?
Yes, the accelerated fuel points earned at IndianOil fuel stations are capped at 1,000 fuel points per month. This means you can earn a maximum of 10 Fuel Points per INR 100 spent, but only up to 1,000 points monthly through the accelerated rate. There is no mention of a cap on regular fuel points earned at 1 point per INR 100 on other purchases.
INTERNATIONALDoes the IndianOil RBL Bank Credit Card support international transactions?
The IndianOil RBL Bank Credit Card is primarily designed for domestic use, especially for fuel benefits at IndianOil stations in India. The card is available on the Mastercard network, which is accepted internationally. However, specific forex markup charges are not publicly listed for this card. It is recommended to contact RBL Bank customer service at cardservices@rbl.bank.in for details on international usage charges.
APPLICATIONHow do I apply for the IndianOil RBL Bank Credit Card?
You can apply for the IndianOil RBL Bank Credit Card online through the RBL Bank official website by clicking the 'Apply Now' button on the card's page. The application process is digital and straightforward. You will need to provide personal, financial, and KYC details. For grievances or queries during the application process, you can write to cardservices@rbl.bank.in.
OTHERHow can I contact RBL Bank for grievances related to the IndianOil RBL Bank Credit Card?
For any grievances related to your IndianOil RBL Bank Credit Card, you can write to RBL Bank at cardservices@rbl.bank.in. For further unresolved complaints, you may contact the Nodal Officer through the RBL Bank website. You can also report loss or unauthorized use of your credit card through the dedicated credit card loss reporting service on the RBL Bank website.

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