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REWARD POINTS CARD

IndianOil RBL Bank XTRA Credit Card

RBL Bank

Earns fuel points redeemable at IndianOil Fuel Stations: 15 per ₹100 at IndianOil fuel stations and 2 per ₹100 on other spends, plus a 1% fuel surcharge waiver.

Excluded categories earn no fuel points and do not count towards milestone or fee waiver. Welcome benefit and fee waiver apply only if the annual fee is paid.

IndianOil RBL Bank XTRA Credit Card
ANNUAL FEE
₹1,500 + GST
JOINING FEE
Not stated
REWARDS
Not stated
Earning terms not yet recorded
KEY BENEFIT
15 fuel points per ₹100 at IndianOil fuel stations (1 fuel point = ₹0.5)
BEST FOR
Included: May suit regular IndianOil fuel buyers whose monthly spends are around ₹45,000
Included: May suit those who regularly fuel at IndianOil fuel stations.
Included: May suit those with monthly spends of around ₹45,000 who want fuel points redeemable at IndianOil Fuel Stations.
Included: May suit those who also want 2 fuel points per ₹100 on dining and shopping spends.
Limitation: Spends in excluded categories (utilities, insurance, rent, education, etc.) may wish to compare other cards.
Limitation: Those whose main spends are on utilities, insurance, rent or railways may wish to compare other cards.
Limitation: Those who do not fuel at IndianOil fuel stations, where the accelerated rate applies may wish to compare other cards.
Typical fit only. This is not personalised advice and not an indication of approval.
GOOD TO KNOW
Condition: Welcome benefit and fee waiver apply only if the annual membership fee is paid.
Condition: Offline UPI spends under ₹2,000 at small merchants on the RuPay variant earn no rewards or milestone benefits.

Rewards & real value

What the card earns, and what changes that figure in practice.
WHAT THE CARD EARNS
EVERYTHING ELSE
Not stated
No earning rate recorded for this card
REWARD POINT VALUE
Not stated
Effective return cannot be calculated without it

Eligibility

Minimum income
Not stated
Minimum age
Not stated
Maximum age
Not stated

Fees & ownership

Joining fee
Not stated
Annual / renewal fee
₹1,500 + GST
Fee waived at
Spend above ₹2,75,000 per year (excl. utilities, insurance, rent, education, govt, cash, EMI, fees, GST)
Forex markup
Not stated
Finance charge
Not stated
Cash withdrawal fee
Not stated
Late-payment charge
Not stated
Interest-free period
Not stated

Benefits & privileges

TRAVEL
Domestic airport lounge
Not stated
International airport lounge
Not stated
Railway lounge
Not stated
Lounge spend requirement
Not stated
Lounge programme
Not stated
EVERYDAY
Fuel
1% fuel surcharge waiver, up to ₹200 each month
Dining
Not stated
RuPay / UPI
Not stated

Caps, exclusions and redemption

Major excluded categories
Utilities, insurance, quasi-cash, railways, rent, education, wallets, government, contracted services, cash, misc, Bills2Pay, EMI conversion, fees, charges, GST; Utilities, insurance, quasi-cash, railways, rent, education, wallets, government, contracted services, cash, misc, Bills2Pay, EMI conversion, fees, charges, GST
Categories earning nothing
Not stated
Monthly reward cap
Not stated
Annual reward cap
Not stated
Reward point value
Not stated
Points expiry
Not stated
Redemption fee
Not stated
Minimum redemption
Not stated
Credited automatically
Not stated

Who this card may suit

MAY SUIT
Included: 15 fuel points per ₹100 at IndianOil fuel stations (1 fuel point = ₹0.5)
Included: Earns 15 fuel points per ₹100 at IndianOil fuel stations, up to 2,000 fuel points a month.
Included: Welcome benefit of 3,000 fuel points, plus 1,000 fuel points on crossing ₹75,000 in quarterly spends.
Included: Available on Mastercard and RuPay; the RuPay variant supports NCMC and RuPay Credit Card on UPI.
MAY NOT SUIT
Not stated
Typical fit only, based on the card’s own published terms. This is not personalised advice and not an indication of approval.
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Figures last checked 31 Oct 2026 against the issuer’s published terms.