IndianOil RBL Bank XTRA Credit Card review
Heavy IndianOil fuel users who want the highest fuel value-back. Verified as of June 2026.
By NexMaxo Editorial Team · Terms verified June 2026 · confirm before applying
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At a glance
RBL Bank · Visa / Mastercard
Up to ~8.5% value back on IndianOil fuel (15 fuel points per ₹100), plus the surcharge waiver.
- Annual fee
- ₹1,500 + GST (waived on ₹2.75L annual spend)
- Reward rate
- 15 fuel pts/₹100 at IndianOil (cap 2,000/mo); 2 pts/₹100 elsewhere
- Lifetime-free
- No
- Network
- Visa / Mastercard
- Eligibility
- Salaried or self-employed; approx 21–70 yrs
Why it stands out
- 15 fuel points per ₹100 at IndianOil pumps (cap 2,000 pts/month; 1 pt ≈ ₹0.50)
- 1% fuel-surcharge waiver on eligible fuel spends
- 2 fuel points per ₹100 on all other spends
Good to know
- It isn't lifetime-free — the annual fee (₹1,500 + GST (waived on ₹2.75L annual spend)) applies unless you meet the spend-based waiver.
- Accelerated rewards are usually capped — check the monthly/quarterly caps in the reward rate above before counting on them.
- Issuers revise card terms often, so confirm the current fees, rewards and eligibility on RBL Bank's official page before applying.
How it compares
See it ranked against similar cards in our best fuel credit cards roundup.
IndianOil RBL Bank XTRA Credit Card — FAQs
No. The IndianOil RBL Bank XTRA Credit Card carries a fee — ₹1,500 + GST (waived on ₹2.75L annual spend). That fee is typically refunded only if you meet a spend threshold, so it's a spend-based waiver rather than a genuine lifetime-free card.
₹1,500 + GST (waived on ₹2.75L annual spend). Fees are dated as of June 2026 and can change — check the current schedule of charges on RBL Bank's official page before applying.
Up to ~8.5% value back on IndianOil fuel (15 fuel points per ₹100), plus the surcharge waiver. In detail: 15 fuel pts/₹100 at IndianOil (cap 2,000/mo); 2 pts/₹100 elsewhere. Reward values and caps are indicative and set by the issuer.
Heavy IndianOil fuel users who want the highest fuel value-back. Eligibility is broadly Salaried or self-employed; approx 21–70 yrs. It's not advice — pick a card that fits your own spending and confirm you qualify on the issuer's page.
This is an informational review, not financial advice or a recommendation to apply. Card terms change often — confirm current fees, reward rates and eligibility on RBL Bank's official page before applying. Using credit responsibly and paying your bill in full avoids interest.