GainFairGainFairFor Every Fair Choice.
Independent card analysis

IndianOil RBL Bank Credit Card

RBL Bank · Mastercard + RuPay · Entry card

Adds a lower-fee IndianOil co-brand below the existing XTRA variant.

Best suited to

Moderate IndianOil customers who prefer a low-fee RuPay fuel card.

Authored and reviewed by GainFair
Terms checked 23 Sept 2026
Annual fee
₹500 + GST
Joining fee
₹500 + GST
Base reward rate
0.5%
Forex markup
3.5%

Reward rates by spending category

Published catalogue rates before caps and merchant-category exclusions.

CategoryRecorded rate
Fuel & commute
5%
Online shopping
0.5%
Groceries & essentials
0.5%
Dining & delivery
0.5%
Travel & hotels
0.5%
Beauty & wellness
0.5%
Entertainment & movies
0.5%
Healthcare & pharmacy
0.5%
Subscriptions & streaming
0.5%
Offline store shopping
0.5%
International spending
0.5%
Gold & jewellery
0.5%
Other miscellaneous
0.5%
Bills & utilities
0%
Education & family
0%
House rent
0%
Insurance premiums
0%

Caps and fee waiver

Reward caps
No general cap recorded
Annual fee waiver
At ₹1,75,000 annual spending
Monthly income requirement
Not listed

Airport lounge access

No complimentary airport lounge access recorded

Benefit details

Benefits & conditions

Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.

Rewards and cashback · 4 items

  • Eligible IndianOil fuel rewards

    Usage-based value

    Ten Fuel Points per ₹100 only at the select IndianOil terminals identified by the issuer.

    Conditions: Ten Fuel Points per ₹100 only at the select IndianOil terminals identified by the issuer.

    Status: verifiedReviewed: 2026-09-23Official source ↗

  • Other eligible Fuel Points

    Usage-based value

    One Fuel Point per ₹100 on other eligible purchases.

    Status: verifiedReviewed: 2026-09-23Official source ↗

  • Ten Fuel Points per ₹100 at eligible IndianOil stations, worth 5%

    Shown without a cash value
    Status: verifiedReviewed: 2026-09-23Official source ↗

  • One Fuel Point per ₹100 on other eligible purchases, worth 0.5%

    Shown without a cash value
    Status: verifiedReviewed: 2026-09-23Official source ↗
Fees · 2 items

  • Annual card fee

    Cost ₹500

    ₹500 annual fee before applicable tax.

    Status: verifiedReviewed: 2026-09-23Official source ↗

  • Joining fee

    Cost ₹500

    ₹500 one-time joining fee before applicable tax.

    Status: verifiedReviewed: 2026-09-23Official source ↗
Fee waiver · 2 items

  • Annual fee waiver

    Usage-based · up to ₹500

    Annual fee may be waived after ₹1,75,000 of eligible annual spending.

    Conditions: Reach ₹1,75,000 eligible annual spending

    Exclusions: billsUtilities · educationFamily · rent · insurance

    Status: verifiedReviewed: 2026-09-23Official source ↗

  • ₹1.75 lakh eligible annual spend waives the ₹500 renewal fee

    Shown without a cash value
    Status: verifiedReviewed: 2026-09-23Official source ↗
Welcome benefits · 1 item

  • 1,000 welcome Fuel Points

    Recorded value ₹500

    Welcome Fuel Points worth ₹500 for eligible IndianOil redemption.

    Conditions: Complete an eligible retail transaction above ₹500 within 30 days · Pay the first annual membership fee by its due date

    Status: verifiedReviewed: 2026-09-23Official source ↗
Foreign-currency charges · 1 item

  • Foreign-currency markup

    Usage-based value

    3.5% foreign-currency markup before applicable tax.

    Conditions: Applies to eligible foreign-currency transactions

    Status: verifiedReviewed: 2026-09-23Official source ↗
Eligibility and availability · 1 item

  • Application eligibility

    Shown without a cash value

    Application availability: open. No universal verified numeric income threshold is used as a hard filter. RBL Bank does not publish one universal numeric monthly income threshold for this card.

    Status: verifiedReviewed: 2026-09-23Official source ↗
Other benefits · 2 items

  • 1% fuel-surcharge waiver on ₹500-₹4,000 transactions, capped at ₹100 monthly

    Shown without a cash value
    Status: verifiedReviewed: 2026-09-23Official source ↗

  • RuPay merchant-UPI and NCMC support on the RuPay network variant

    Shown without a cash value
    Status: verifiedReviewed: 2026-09-23Official source ↗
Other categories (11)

These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.

What stands out

  • ✓ Ten Fuel Points per ₹100 at eligible IndianOil stations, worth 5%
  • ✓ One Fuel Point per ₹100 on other eligible purchases, worth 0.5%
  • ✓ 1,000 welcome Fuel Points worth ₹500
  • ✓ ₹1.75 lakh eligible annual spend waives the ₹500 renewal fee

What to watch

The 5% fuel rate works only at select IndianOil terminal IDs and is capped at 1,000 Fuel Points monthly. Many regulated categories earn no points and do not count toward the waiver.

Recorded exclusions

Bills Utilities · Education Family · Rent · Insurance · Railway · Quasi cash · Wallet load · Government payments · Contracted services · Cash withdrawal · Emi · Fees charges

How GainFair evaluates this card

The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.

Ask the advisorApply ↗Read the methodology

Affiliate disclosure: Affiliate link · GainFair may earn a commission if you complete a qualifying action. You pay nothing extra, and compensation never affects recommendations or rankings. Read the full disclosure.

Similar alternatives

Compare against

These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.

HDFC Bank Freedom Credit Card
HDFC Bank · Entry
Compare side by side →
ICICI Bank HPCL Super Saver Credit Card
ICICI Bank · Entry
Compare side by side →
Kotak League Platinum Credit Card
Kotak Mahindra Bank · Entry
Compare side by side →

Issuer sources

Open the sources used for this card's product details, rewards, fees and eligibility.

Product, Fees, Eligibility ↗Rewards ↗Change notice ↗

Sources checked 23 Sept 2026