MyFinCards
IndianOil RBL Bank XTRA Credit Card

Joining Fee

₹1,500

Annual Fee

Rs. 1500 (Reversed on annual spends of Rs. 2.75 Lakhs)

RBL Bank
Fuel
Rewards
Best For: Frequent drivers who refuel at IndianOil stations, Individuals with monthly spends of INR 45,000 or more

IndianOil RBL Bank XTRA Credit Card

Rewards Structure

Base Reward Rate

% on spends

Point Value

1 Point = ₹0.5

Earning Cap

₹2,000 /monthly

Pros

  • 8.5% valueback at IndianOil fuel stations
  • Up to 250 litres free petrol annually
  • 1% fuel surcharge waiver up to INR 200/month
  • Annual fee waived on spending INR 2,75,000 per year
  • Welcome benefit of 3,000 fuel points
  • Available on both Mastercard and RuPay networks
  • Fuel points redeemable directly at IndianOil fuel stations

Cons

  • Accelerated fuel points capped at 2,000 per month
  • Welcome benefit only applicable after annual membership fee is paid
  • Annual fee waiver benefit only applicable if annual fee is paid first
  • Many categories excluded from fuel points and milestone calculations

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

Welcome benefit not applicable unless annual membership fee is paid

Excluded categories: Utilities, Insurance, Quasi-Cash, Railways, Real Estate/Rental, Education, Wallets/Service Providers, Government Services, Contracted Services, Cash, Miscellaneous, Bills2Pay

EMI conversions (Split-N-Pay) excluded from fuel points, quarterly milestone and annual fee waiver

Offline UPI transactions under INR 2,000 at small merchants on RuPay variant not eligible for reward points or benefits

Annual fee waiver benefit only applies if annual fee is paid first

Key Benefits & Features

2 fuel points per INR 100 on all other purchases including dining, shopping, and everyday spends

National Common Mobility Card (NCMC) feature available on RuPay variant

RuPay Credit Card on UPI feature available on RuPay variant

Notable Exclusions

No fuel points, milestone credit or annual fee waiver on Government ServicesNo fuel points, milestone credit or annual fee waiver on UtilitiesNo fuel points, milestone credit or annual fee waiver on InsuranceNo fuel points, milestone credit or annual fee waiver on Quasi-CashNo fuel points, milestone credit or annual fee waiver on RailwaysNo fuel points, milestone credit or annual fee waiver on Real Estate/RentalNo fuel points, milestone credit or annual fee waiver on EducationNo fuel points, milestone credit or annual fee waiver on Wallet/Service ProvidersNo fuel points, milestone credit or annual fee waiver on Contracted ServicesNo fuel points, milestone credit or annual fee waiver on Cash transactionsNo fuel points, milestone credit or annual fee waiver on MiscellaneousNo fuel points, milestone credit or annual fee waiver on Bills2Pay, EMI conversions (Split-N-Pay), fees, charges and GST

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

Official Terms & Conditions

About IndianOil RBL Bank XTRA Credit Card

The IndianOil RBL Bank XTRA Credit Card is a co-branded fuel credit card designed for frequent drivers who regularly refuel at IndianOil stations. Available on both MasterCard and RuPay networks, it delivers up to 250 litres of free petrol annually as fuel points for cardholders who maintain monthly spends of INR 45,000, making it one of India's most rewarding fuel-focused credit cards. The card offers an impressive 8.5% valueback at IndianOil fuel stations, comprising 15 fuel points per INR 100 spent on fuel and a 1% fuel surcharge waiver of up to INR 200 per month. For all other everyday purchases such as dining, shopping, and more, cardholders earn 2 fuel points per INR 100 spent. Each fuel point carries a redemption value of INR 0.50 toward XTRA Reward points, redeemable exclusively at IndianOil fuel stations. New cardholders receive 3,000 welcome fuel points upon spending INR 500 within the first 30 days, plus an additional 1,000 fuel points upon crossing a quarterly milestone of INR 75,000. The card carries a joining and annual fee of INR 1,500 plus GST, which is waived upon annual spends exceeding INR 2,75,000. RuPay cardholders additionally benefit from National Common Mobility Card features and UPI compatibility.

Expert Review

Our Verdict

India's best fuel credit card offering 8.5% valueback at IndianOil stations with up to 250L free petrol annually.

Frequently Asked QuestionsAbout IndianOil RBL Bank XTRA Credit Card

FEESWhat is the joining and annual fee for the IndianOil RBL Bank XTRA Credit Card?
The IndianOil RBL Bank XTRA Credit Card has a joining fee of ₹1,500 + GST and an annual membership fee of ₹1,500 + GST. However, the annual fee can be waived if you spend ₹2,75,000 or more in a year. Please note that the annual fee waiver benefit is only applicable if the annual fee is paid first.
FEESHow can I get the annual fee waived on the IndianOil RBL Bank XTRA Credit Card?
You can get the annual fee waived by spending ₹2,75,000 or more annually using your IndianOil RBL Bank XTRA Credit Card. Please note that the annual fee waiver benefit is applicable only if the annual fee is paid first. Also, certain categories like utilities, insurance, railways, education, and others are excluded from the annual fee waiver calculation.
BENEFITSWhat is the welcome benefit on the IndianOil RBL Bank XTRA Credit Card?
As a welcome benefit, you receive 3,000 Fuel Points upon card activation. To earn these points, you need to make a purchase of ₹500 or more within 30 days of receiving your card. Please note that this 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 15 fuel points for every ₹100 spent at IndianOil fuel stations, which translates to a 7.5% valueback. However, the accelerated fuel points are capped at 2,000 fuel points per month. Additionally, you get a 1% fuel surcharge waiver of up to ₹200 per month, taking the total effective valueback to 8.5% at IndianOil fuel stations.
REWARDSHow many fuel points do I earn on non-fuel purchases?
For all other purchases such as dining, shopping, and everyday spends — other than IndianOil fuel station transactions — you earn 2 fuel points for every ₹100 spent. This allows you to accumulate fuel points on all your regular spending and redeem them at IndianOil fuel stations.
USAGEWhat is the value of 1 fuel point and how can I redeem them?
1 Fuel Point is equal to ₹0.5 when used to buy XTRA Reward Points. The fuel points are redeemable directly at IndianOil fuel stations. This means that accumulated fuel points can be used to pay for fuel purchases at eligible IndianOil fuel stations, making every rupee you spend on the card work towards free fuel.
BENEFITSHow can I earn up to 250 litres of free petrol annually?
You can earn up to 250 litres of free petrol as fuel points annually by spending ₹45,000 per month on your IndianOil RBL Bank XTRA Credit Card. Additionally, you earn 1,000 fuel points on crossing the quarterly milestone of ₹75,000 in spending. The accumulated fuel points can then be redeemed at IndianOil fuel stations for free petrol.
REWARDSWhat is the quarterly milestone benefit on this card?
You earn 1,000 bonus fuel points on crossing the quarterly milestone of ₹75,000 in spends. This milestone reward is over and above the regular and accelerated fuel points you earn on transactions. Please note that certain merchant categories such as utilities, insurance, railways, education, wallets, and government services are excluded from milestone calculations.
BENEFITSWhich card networks is the IndianOil RBL Bank XTRA Credit Card available on?
The IndianOil RBL Bank XTRA Credit Card is available on both the Mastercard and RuPay networks. For cards issued on the RuPay network, you can enjoy additional features such as the National Common Mobility Card (NCMC) functionality and the ability to use the RuPay Credit Card on Unified Payment Interface (UPI).
REWARDSWhat categories are excluded from earning fuel points and milestone benefits?
The following merchant categories are excluded from fuel point benefits, quarterly milestone, and annual fee waiver: Utilities, Insurance, Quasi-Cash, Railways, Real Estate/Rental, Education, Wallets/Service Providers, Government Services, Contracted Services, Cash, Miscellaneous, Bills2Pay, and EMI conversions of retail transactions (Split-N-Pay and EMI conversion requests at POS/Web/Mobile App), along with applicable fees, charges, and GST.
BENEFITSIs there a fuel surcharge waiver on the IndianOil RBL Bank XTRA Credit Card?
Yes, the IndianOil RBL Bank XTRA Credit Card offers a 1% fuel surcharge waiver of up to ₹200 per month. This benefit applies when you fuel up at IndianOil fuel stations, helping you save on the surcharge that is typically levied on fuel transactions made via credit cards, making every refuel more economical.
USAGEAre there any RuPay-specific conditions for earning reward points?
For RuPay Credit Card holders, reward points are earned as defined in the respective product terms and conditions. However, offline UPI transactions under ₹2,000 made at small merchants (those with a turnover of not more than ₹20 lakh in the previous financial year) on the RBL Bank RuPay Credit Card will not be eligible for reward points, voucher benefits, milestone benefits, or any other product benefits, unless stated otherwise.
APPLICATIONHow do I apply for the IndianOil RBL Bank XTRA Credit Card?
You can apply for the IndianOil RBL Bank XTRA Credit Card online through the RBL Bank official website by clicking the 'Apply Now' button on the card's product page. The application process is digital and straightforward. You will need to submit your personal details, income information, and necessary KYC documents as part of the application process.
REWARDSIs there a cap on the accelerated fuel points earned at IndianOil stations?
Yes, the accelerated fuel points earned at IndianOil fuel stations are capped at 2,000 fuel points per month. This means that regardless of how much you spend on fuel in a given month, you can earn a maximum of 2,000 accelerated fuel points (at the rate of 15 points per ₹100). Spends beyond this cap will earn regular fuel points at 2 points per ₹100.
OTHERHow can I report loss or unauthorised use of my IndianOil RBL Bank XTRA Credit Card?
In case of loss or unauthorised use of your IndianOil RBL Bank XTRA Credit Card, you should immediately report it to RBL Bank. You can do this through the RBL Bank website under the 'Report Loss or Unauthorised Use' section, via the RBL MyCard mobile app, or by contacting RBL Bank customer care. For any grievances, you can also write to cardservices@rbl.bank.in.

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