RBL BankIndianOil RBL Bank XTRA Credit Card
Earn rewards and benefits with IndianOil RBL Bank XTRA Credit Card.
Top Category Performance
Fuel & Petrol (92/100)
Joining Fee
₹1,500
Annual Fee
₹1,500
Reward Rate (%)
1 – 8.5
Forex Markup
3.5%
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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 categoryScoring 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
IndianOil RBL Bank XTRA Credit Card Rewards
How you earn back on every swipe
points
Reward type
1% – 8.5%
Earn rate
2
Points / ₹100
₹0.5
Per point
₹2,000
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 charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.
Things to Keep in Mind
- Utilities
- Insurance
- Quasi-Cash
- Railways
- Real Estate/Rental
- Education
- Wallets/Service Providers
- Government Services
- Contracted Services
- Cash
- Miscellaneous
- Bills2Pay
- EMI conversion
Card Features
Fee Waiver Spend Simulator
Simulate your spend to check waiver eligibility
🎉 Annual renewal fee 100% waived! At ₹22,917/mo (₹2,75,004/yr), your ₹1,500 fee drops to ₹0.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
IndianOil RBL Bank XTRA Credit Card Eligibility
Employment type
Pros & Cons
- 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
- ₹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 17 Aug 2026
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More from RBL Bank
Calculate your exact earnings with IndianOil RBL Bank XTRA Credit Card
Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your guaranteed net return after annual fees.