IndianOil RBL Bank XTRA Credit Card
RBL Bank · Mastercard · Entry card
A dedicated fuel co-brand card with an unusually high effective rate specifically at IndianOil pumps.
Regular IndianOil customers with significant monthly fuel spend.
Terms checked 13 Sept 2026
- Annual fee
- ₹1,500 + GST
- Joining fee
- ₹1,500 + GST
- Base reward rate
- 1%
- Forex markup
- 3.5%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| Fuel & commute | 1% |
| Online shopping | 1% |
| Dining & delivery | 1% |
| Groceries & essentials | 1% |
| Travel & hotels | 1% |
| Subscriptions & streaming | 1% |
| Beauty & wellness | 1% |
| Entertainment & movies | 1% |
| Offline store shopping | 1% |
| International spending | 1% |
| Healthcare & pharmacy | 1% |
| Other miscellaneous | 1% |
| Gold & jewellery | 1% |
| Bills & utilities | 0% |
| House rent | 0% |
| Insurance premiums | 0% |
| Education & family | 0% |
Caps and fee waiver
- Reward caps
- No general cap recorded
- Annual fee waiver
- At ₹2,75,000 annual spending
- Monthly income requirement
- Not listed
Airport lounge access
No complimentary airport lounge access recorded
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 · 5 items
IndianOil fuel points
Usage-based value15 Fuel Points per ₹100 only at eligible IndianOil outlets.
Conditions: 15 Fuel Points per ₹100 only at eligible IndianOil outlets.
Other eligible Fuel Points
Usage-based value2 Fuel Points per ₹100 on other eligible retail purchases, including non-IndianOil fuel fallback.
15 Fuel Points per ₹100 at eligible IndianOil outlets
Shown without a cash value2 Fuel Points per ₹100 on other eligible retail purchases
Shown without a cash value1,000 quarterly bonus Fuel Points at ₹75,000 eligible quarterly spend
Shown without a cash value
Fees · 2 items
Annual card fee
Cost ₹1,500₹1,500 annual fee before applicable tax.
Joining fee
Cost ₹1,500₹1,500 one-time joining fee before applicable tax.
Fee waiver · 1 item
Annual fee waiver
Usage-based · up to ₹1,500Annual fee may be waived after ₹2,75,000 of eligible annual spending.
Conditions: Reach ₹2,75,000 eligible annual spending
Welcome benefits · 1 item
3,000 welcome Fuel Points
Recorded value ₹1,500Welcome Fuel Points worth ₹1,500 at IndianOil.
Conditions: Make an eligible transaction of at least ₹500 within 30 days of issuance
Spend milestones · 1 item
1,000 Fuel Points at ₹75,000 quarterly spend
1,000 reward unitsUnlocked after ₹75,000 of eligible spending.
Conditions: Reach ₹75,000 per calendar quarter
Fuel benefits · 1 item
1% fuel surcharge waiver on ₹500-₹4,000 transactions, capped at ₹200 monthly
Shown without a cash value
Foreign-currency charges · 1 item
Foreign-currency markup
Usage-based value3.5% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Eligibility and availability · 1 item
Application eligibility
Shown without a cash valueApplication availability: open. No universal verified numeric income threshold is used as a hard filter. The reviewed public issuer sources do not state a universal numeric income threshold.
Other categories (10)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Card tiers
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Airport lounge access
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Movies and entertainment
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Travel privileges
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Dining
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Golf
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Insurance and protection
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Memberships
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Concierge
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Other benefits
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗
What stands out
- ✓ 15 Fuel Points per ₹100 at eligible IndianOil outlets
- ✓ 2 Fuel Points per ₹100 on other eligible retail purchases
- ✓ 1,000 quarterly bonus Fuel Points at ₹75,000 eligible quarterly spend
- ✓ 3,000 welcome Fuel Points after the qualifying first purchase
What to watch
Value collapses outside IndianOil fuel purchases: the 1% base rate elsewhere is unremarkable.
Recorded exclusions
Bills Utilities · Education Family · Rent · Insurance · Wallet load · Government payments · Railways · 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.
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.
Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 13 Sept 2026