RBL Bank (co-brand with IndianOil)
IndianOil RBL Bank XTRA Credit Card
15 fuel points per ₹100 at selected IndianOil outlets (up to 2,000 points a month) and 2 points per ₹100 elsewhere, worth most when converted to IndianOil XTRA reward points for fuel.
- ₹1,500 joining, ₹1,500 a year
- Works on UPI (RuPay)
- Mastercard / RuPay
Pros and cons
Good
- 7.5% on fuel: 1st of 5 fuel cards we compare
- Fee pays for itself from about ₹1,700 a month of fuel
Watch out for
- Earns nothing on utility bills, insurance, rent, wallet loads and government payments
- High forex markup (3.5%)
- Who it's for
- People who spend about ₹1,700 or more a month on fuel.
- Skip it if
- You spend under ₹1,700 a month on fuel.
Worked out from the bank's published terms with the same rules for every card, never from what we earn. How we judge cards.
Rewards (value back as % of spend)
- Everyday spends
- 1% (base rate)
- Online shopping
- 1%
- Fuel
- 7.5%
- Groceries
- 1%
- Bills and utilities
- 0%
- Dining and food delivery
- 1%
Fees and charges
- Joining fee
- ₹1,500
- Annual fee
- ₹1,500
- Fee waiver
- Annual fee of ₹1,500 waived on eligible annual spends of ₹2.75 lakh (excludes utilities, insurance, rent, education, wallets, government, etc.). The ₹1,500 is also charged in the first year (welcome benefit requires paying it).
- Forex markup
- 3.5%
- Fuel surcharge waiver
- 1% waiver on fuel purchases between ₹500 and ₹4,000, capped at ₹200 per month
Benefits and eligibility
- Airport lounge
- Not published by the bank
- Card network
- Mastercard, RuPay
- UPI payments
- Yes, as a RuPay credit card
- Minimum income (salaried)
- Not published by the bank
- Eligibility
- Age 21 to 70 years, subject to the bank's internal policy (income not published).
Fees exclude GST. Reward rates are the value back you get at the bank's published redemption value; where a bank doesn't publish what a point is worth, we leave the rate blank rather than guess. See how we compare cards.
Compare it with other cards
Ready to apply for the IndianOil RBL Bank XTRA Credit Card?
Apply nowVia our referral partner. We may earn a commission.CreditParakh is not a bank or lender. Approval, limits and final terms are decided by RBL Bank (co-brand with IndianOil).
Related guides
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- CIBIL Score: Check Free, Improve in 90 DaysCheck your CIBIL score free with one full report a year from each bureau, dispute errors yourself, and build a better score with a 90-day checklist.
Questions people ask
Is the IndianOil RBL Bank XTRA Credit Card worth it in 2026?
Yes, if you spend about ₹1,700 or more a month on fuel. Below that, no free card we compare earns anything on fuel. The catch: earns nothing on utility bills, insurance, rent, wallet loads and government payments.
Is the IndianOil RBL Bank XTRA Credit Card lifetime free?
No. It costs ₹1,500 to join and ₹1,500 a year, plus GST. Annual fee of ₹1,500 waived on eligible annual spends of ₹2.75 lakh (excludes utilities, insurance, rent, education, wallets, government, etc.). The ₹1,500 is also charged in the first year (welcome benefit requires paying it).
Does the IndianOil RBL Bank XTRA Credit Card work on UPI?
Yes, it's a RuPay card, so you can link it to UPI apps for merchant payments.
Does the IndianOil RBL Bank XTRA Credit Card give airport lounge access?
No complimentary airport lounge access.
What earns no rewards on the IndianOil RBL Bank XTRA Credit Card?
Also no fuel points on quasi-cash, contracted services, direct marketing (MCC 5960), Bills2Pay, fees, charges and GST. On the RuPay card, offline UPI payments under ₹2,000 at small merchants (turnover up to ₹20 lakh) earn nothing. The 2 points per ₹100 on other spends has no published cap.
Is there a limit on rewards with the IndianOil RBL Bank XTRA Credit Card?
15 fuel points per ₹100 at select IndianOil outlets, up to 2,000 fuel points a month: ₹1,000 when converted to XTRAREWARDS and redeemed at IndianOil pumps (₹0.50 a point), ₹200 on the RBL rewards portal (₹0.10 a point).
Who can get the IndianOil RBL Bank XTRA Credit Card?
Age 21 to 70 years, subject to the bank's internal policy (income not published). Approval is at the bank's discretion.
How we checked this card: the CreditParakh team read RBL Bank (co-brand with IndianOil)'s own terms and product page on 18 Oct 2026. Every fee, rate and rule above comes from those pages; where they disagree, we say so. We re-check every card monthly and log changes on card changes. See our editorial standards.
Last verified 18 Oct 2026 on RBL Bank (co-brand with IndianOil)'s official page. Fees and rewards change; check the issuer's terms before you apply.