RBL Bank
IndianOil RBL Bank XTRA Credit Card
Annual Fee
₹1,770₹1,500 + GSTBase Reward
7.5% points
Foreign Markup
3.5%
Welcome Benefits
3,000 Fuel Points upon realization of the joining charge and making a transaction of ₹500 or more within the first 30 days of card issuance.
Product Highlights
- High return of 7.5% on fuel purchases
- Fuel points worth up to 250 liters of free petrol annually
Category Rewards
fuel
15 Fuel Points/₹100 on Fuel Purchases
15 pts/₹100
Fee Waiver
Annual Fee Waiver on Spends of ₹2.75 Lakh
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
IndianOil
15X FP at IndianOil fuel stations(Cap ₹1,000/mo)
Reward Calculator
Earns ₹2,130/year (net)
Modest gain. Solid hold if you like the perks.
₹13K
across all your buckets
7.8K
Fuel Points
₹3.9K
via standard · ₹0.5/pt
Effective rate
2.50%
Annual fee
₹1,770
Year 1 net
+₹2,130
Year 2+ net
+₹2,130
ongoing
Adjust your spend by reward bucket
2 bucketsMilestone Rewards
Bonus rewards unlocked at spend thresholds. Use the slider to see what your spend pattern unlocks.
per quarter · You spend ≈ ₹1.5L
1,000 Fuel Points on quarterly spend ≥ ₹75K
Real Reward Ceiling
Headline %s are gated by caps. Here's how far each accelerator stretches before it falls back to the base rate.
15X FP at IndianOil fuel stations
Headline: 7.50% effective
₹1,000/month ÷ 7.50% = ₹13,333 eligible spend/month
Surcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
3.5%Charged on every international (non-INR) transaction
Excluded from rewards
emi, cash advance, rent, wallet, government
Fuel surcharge waiver (good news)
1%on ₹500–₹4,000 fuel txns · capped at ₹200/cycle
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
Earn 15 Fuel Points/₹100 spent at IndianOil stations and 2 Fuel Points/₹100 on other eligible spends.
- 1 Fuel Point = ₹0.50 When Redeemed at IndianOil Outlets
Benefits & Features
1% Fuel Surcharge Waiver Upto ₹200 Each Month
Pros & Cons
Pros
- High return of 7.5% on fuel purchases
- 3,000 Fuel Points as welcome benefit
Cons
- No airport lounge access
- Limited benefits compared to other fuel credit cards
Additional Info
Many users have reported issues with redeeming Fuel Points at IndianOil outlets.
A maximum of 2,000 Fuel Points can be earned in a month.
Excluded Categories
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Networks
Fee Waiver
Annual Fee Waiver on Spends of ₹2.75 Lakh