Find my best card →
faayda.com › cards › RBL Bank IndianOil XTRA Credit Card
RBL Bank · Mastercard / RuPay · हिन्दी

RBL Bank IndianOil XTRA Credit Card: full review

The RBL Bank IndianOil XTRA Credit Card is one of the strongest fuel cards we track on paper, giving a real 7.5% return on IndianOil fuel, but only if you redeem points through IndianOil XTRA Rewards at an IndianOil pump, since the same points are worth five times less on RBL's own portal. It suits people who already fill up at IndianOil regularly and will use the points there; for everyone else, a 1% return on other spends and a ₹1,500 fee make it a poor all-round card.

Apply now ↗Annual fee: ₹1,500 + GST
Last updated: October 2026 · Current terms verified
RBL BANK
)))
INDIANOIL XTRA
ASHOK KUMAR
12/28
₹1,500 + GST (waived on ₹2.75L annual spend)Annual fee
15 Fuel Points per ₹100 at select IndianOil fuel stations (capped at 2,000 points per month) and 2 Fuel Points per ₹100 on other eligible spends; a Fuel Point is worth ₹0.50 when converted to IndianOil XTRA Rewards and used at an IndianOil pump, but only ₹0.10 if redeemed on RBL's own rewards portal - so the real return is 7.5% on IndianOil fuel and 1% elsewhere at the best redemption rate, dropping to 1.5% and 0.2% via the portalReward structure
NoneLounge access
15 Fuel Points per ₹100 at select IndianOil fuel stations, a real 7.5% return when redeemed via IndianOil XTRA Rewards at an IndianOil pump2 Fuel Points per ₹100 on other eligible spends, a real 1% return at the same best redemption rate3,000 Fuel Points welcome bonus (worth ₹1,500 at the best rate, matching the annual fee) on a ₹500+ purchase within 30 days, once the fee is paid1,000 bonus Fuel Points each calendar quarter on ₹75,000+ eligible spend1% fuel surcharge waiver on fuel purchases of ₹500-4,000, up to ₹200 per monthRuPay variant supports credit card on UPI and NCMC
Apply now ↗ Min. income: Not publicly specified (age 21-70) · Credit score: Not publicly specified
Pros and cons
Pros
✓ Among the highest fuel-specific reward rates in our database, at 7.5% on IndianOil fuel when redeemed at the pump
✓ Welcome bonus is worth roughly the annual fee at the best redemption rate
✓ 1% fuel surcharge waiver on top of the points
✓ Available on both Mastercard and RuPay
Cons
✗ The full value depends on redeeming through IndianOil XTRA Rewards at an IndianOil pump; redeemed on RBL's own rewards portal a Fuel Point is worth only ₹0.10, five times less
✗ The 15-point rate only applies at select IndianOil stations and is capped at 2,000 points (about ₹13,300 of fuel spend) per month
✗ The annual fee waiver needs ₹2,75,000 of eligible annual spend, a high bar unless fuel is a large expense, and it applies only once the fee has been paid
✗ Utilities, insurance, rent, education, wallets, railways, government payments and EMI conversions all earn nothing
✗ Only 1% back on non-fuel spend, weak against dedicated cashback cards
✗ 3.5% forex markup and no lounge access
Quick facts
Issuer RBL Bank
Network Mastercard / RuPay
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹1,500 + GST (waived on ₹2.75L annual spend)
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹1,500
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → None
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5%
Fee waiver Annual fee nil on ₹2.75 lakh yearly spend (utilities, insurance, cash and fees excluded)
Add-on cards ₹200 annual fee per add-on card
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → Not publicly specified (age 21-70)
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → Not publicly specified
SourceRBL Bank's published card terms and official card page · Last updated October 2026
Calculate your annual benefit

Enter your typical monthly spend to see exactly how much you'd earn with this card.

₹
₹
₹
₹
₹
₹
Enter your monthly spend above to see your benefit
Frequently asked questions
The annual fee for RBL Bank IndianOil XTRA Credit Card is ₹1,500 + GST (waived on ₹2.75L annual spend). The joining fee is ₹1,500.
15 Fuel Points per ₹100 at select IndianOil fuel stations (capped at 2,000 points per month) and 2 Fuel Points per ₹100 on other eligible spends; a Fuel Point is worth ₹0.50 when converted to IndianOil XTRA Rewards and used at an IndianOil pump, but only ₹0.10 if redeemed on RBL's own rewards portal - so the real return is 7.5% on IndianOil fuel and 1% elsewhere at the best redemption rate, dropping to 1.5% and 0.2% via the portal
RBL Bank IndianOil XTRA Credit Card is best for Heavy IndianOil fuel spenders who will redeem points at IndianOil pumps, not those wanting flexible cashback. The RBL Bank IndianOil XTRA Credit Card is one of the strongest fuel cards we track on paper, giving a real 7.5% return on IndianOil fuel, but only if you redeem points through IndianOil XTRA Rewards at an IndianOil pump, since the same points are worth five times less on RBL's own portal. It suits people who already fill up at IndianOil regularly and will use the points there; for everyone else, a 1% return on other spends and a ₹1,500 fee make it a poor all-round card.
The minimum income requirement for RBL Bank IndianOil XTRA Credit Card is Not publicly specified (age 21-70). A minimum credit score of Not publicly specified is also recommended.
RBL Bank IndianOil XTRA Credit Card does not offer airport lounge access.
RBL Bank IndianOil XTRA Credit Card charges a 3.5% foreign currency markup on international transactions. This is in line with the standard 3.5% charged by most Indian credit cards.
Related guides
Best Fuel Credit Cards →
Card reviews
RBL Bank IRCTC Credit CardFrequent IRCTC train travellers who will use the railway lounges and want cancellation protection, not a general-purpose rewards cardBPCL SBI Credit CardBPCL fuel station regularsSC Super Value Titanium Credit CardUtility, fuel and telecom bills at a low annual feeBPCL SBI Card OctaneRegular BPCL fuel users who want the highest fuel cashback in India
Compare with similar cards
RBL Bank IndianOil XTRA vs IndianOil Axis Bank Compare →RBL Bank IndianOil XTRA vs BPCL SBI Card Octane Compare →
Embed this card
Add this widget to your site
Writing a review or comparison for the RBL Bank IndianOil XTRA Credit Card? Embed this live widget. It always shows our current, verified fee and reward rate, so it never goes stale.
Live preview
<iframe src="https://faayda.com/embed/rbl-indianoil-xtra"
  width="420" height="260"
  frameborder="0"></iframe>
No sign-up · Free to use
RBL Bank IndianOil XTRA₹1,500 + GST
Apply now ↗