IndianOil RBL Bank XTRA Credit Card
Issuer Regulated by RBI
RBL Bank logo
RBL Bank

IndianOil RBL Bank XTRA Credit Card

Earn rewards and benefits with IndianOil RBL Bank XTRA Credit Card.

RuPay
Co-branded
69
Overall CardCheck ScoreGood

Fuel & Petrol Fit Score

97/100

Best for: Fuel savings at IndianOil stations

Joining Fee

₹1,500

Annual Fee

₹1,500

Reward Rate (%)

1 – 8.5

2 pts/₹100 · ₹0.5/pt

Forex Markup

3.5%

Community
(0)
Your Rating

Apply may use an affiliate link — we may earn a commission; this doesn't affect our data or ratings.

CardCheck Rating & Score

Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.

Reward Power

35/35

Fee Value & ROI

18/25

Lounge & Perks

4/20

Forex & Access

12/20

Category Strengths Breakdown

Ranked by strongest spend category
Fuel & Petrol
97/100
RuPay UPI Payments
88/100
Online Shopping
84/100
Cashback Spends
75/100

Scoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →

IndianOil RBL Bank XTRA Credit Card Benefits

8.5% total on IndianOil fuel by combining 7.5% in accelerated RP (15 Fuel Points per ₹100 spent) with a 1% fuel surcharge waiver
15 Fuel Points per ₹100 spent at IndianOil fuel stations (max 2,000 points/month)
2 Fuel Points per ₹100 on other spends
3,000 welcome Fuel Points on spending ₹500 within 30 days
1,000 Fuel Points on quarterly spends of ₹75,000
1% fuel surcharge waiver up to ₹200 per month
Annual fee waiver on spends of ₹2.75 lakh

IndianOil RBL Bank XTRA Credit Card Rewards

How you earn back on every swipe

Point Formula: 2 pts / ₹100 spent · 1 pt = ₹0.5
1% Base Return

points

Reward type

1% – 8.5%

Earn rate

2

Points / ₹100

₹0.5

Per point

₹1,000

Monthly cap

IndianOil RBL Bank XTRA Credit Card Fees & Charges

Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other statutory charges are detailed in the official Most Important Terms and Conditions (MITC).

Joining fee₹1,500
Annual fee₹1,500
Fee waiver on annual spend₹2,75,000
Interest-free period50 days
Interest rate (APR)47.88%
Late payment fee (max)₹1,300
Cash advance fee2.5% (min ₹500)
Forex markup3.5%
Fuel surcharge waiverYes (₹500–₹4000)

8.5% total value-back on IndianOil (IOCL) fuel purchases by combining 7.5% in accelerated reward points (15 Fuel Points per ₹100 spent) with a 1% fuel surcharge waiver

Things to Keep in Mind

  • Cash
  • Miscellaneous
  • Bills2Pay
  • EMI conversion
  • Utilities
  • Insurance
  • Quasi-Cash
  • Railways
  • Real Estate/Rental
  • Education
  • Wallets/Service Providers
  • Government Services
  • Contracted Services

Card Features

Metal Card
Contactless
UPI Linked

Fee Waiver Spend Simulator

Simulate your spend to check waiver eligibility

Waiver Target: ₹2,75,000/yr
₹22,917/mo
Presets:
Annual Fee 100% Waived₹2,75,004 / ₹2,75,000

🎉 Annual renewal fee 100% waived! At ₹22,917/mo (₹2,75,004/yr), your ₹1,500 fee drops to ₹0.

Est. Base Rewards+₹2,750@1% base rate
Effective Fee₹0 (Waived)100% saved
Net Annual Value+₹2,750rewards vs fee
*Estimated using standard base rate (1%). Excludes monthly-capped accelerated partner multipliers.Detailed Rewards Calculator →

Tips & reviews

Community comments — not financial advice. Bank terms still apply.

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IndianOil RBL Bank XTRA Credit Card Eligibility

Age21+ yrs – 65
Min. income₹25,000/month
CIBIL scoreCardCheck Estimate
720+

Employment type

SalariedSelf employed

Pros & Cons

Pros
  • Excellent 7.5% reward value on eligible IndianOil fuel spends
  • Additional 1% fuel surcharge waiver improves fuel savings
  • Strong 15 Fuel Points/₹100 fuel earning rate
  • ₹1,500 welcome value can offset the annual fee
  • Quarterly ₹75,000 milestone provides additional Fuel Points
  • ₹2.75 lakh annual spend can waive the ₹1,500 fee
  • RuPay variant adds UPI and NCMC functionality
  • Best suited for high IndianOil fuel spenders
Cons
  • ₹1,500 + GST annual fee is high for a fuel-focused card
  • Fuel rewards are capped at 2,000 Fuel Points per month
  • Accelerated fuel rewards apply only at eligible IndianOil stations
  • Utilities, insurance, education, wallets and several other categories are excluded
  • Fuel Points have limited redemption utility outside the IndianOil ecosystem
  • No complimentary airport lounge access
  • Foreign currency markup can be up to 3.5%
  • RuPay offline UPI transactions below ₹2,000 at small merchants may earn no card benefits

Quick Links

Data last updated 4 Sept 2026

All RBL Bank credit cards →Best Reward CardsBest Fuel Cards
Free Rewards Math Simulator

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