RBL Bank
RBL Bank IndianOil XTRA Credit Card
Data last verified: 11 October 2026
- Joining fee₹1,500 + GST
- Annual fee₹1,500 + GST
- Reward rate1% on most spends; 7.5% only at partner merchants
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining fee₹1,500 + GST
- Annual fee₹1,500 + GST
- Fee waiverOn ₹2,75,000 spend a year
- Forex markup3.5%
- Interest (APR)3.99% a month, 47.88% a year
- Fuel surcharge waiver1%
- Fuel waiver cap₹200 a month
The XTRA is the bigger version of the IndianOil RBL card. You earn 15 fuel points per Rs 100 at IndianOil outlets, about 7.5% back, capped at 2,000 points or Rs 1,000 a month. Other spends earn about 1%. You get 3,000 fuel points after paying the joining fee and spending Rs 500 in the first 30 days, and 1,000 extra points on Rs 75,000 of spend in a quarter.
It costs ₹1,500 a year and the fee is waived once you spend ₹2,75,000 in the year. The welcome points cover the first year. After that, about Rs 4,000 a month on fuel covers the fee in six months.
It suits heavy drivers who fill up at IndianOil. The catch is the high waiver target, which most light spenders will miss.
Best for: Heavy drivers and long commuters, Regular IndianOil customers, Families with more than one vehicle.
01RBL Bank IndianOil XTRA Credit Card Rewards and Benefits
02RBL Bank IndianOil XTRA Credit Card Annual Fee and Charges
- Joining fee
- ₹1,500 + GST
- Annual fee
- ₹1,500 + GST
- Spend-based waiver
- Annual fee waived on ₹2,75,000 spend in a year (rent and wallet loads not counted)
- Rewards redemption fee
- Nil
- Forex markup
- 3.5%
- Interest rate
- 3.99% a month (47.88% a year)
- Fuel surcharge waiver
- Yes, up to ₹200 a month
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹20,000 on everything else, earning 1%₹200
- Back each month, ₹2,400 a year₹200
- Annual fee with 18% GST−₹1,770
- In your pocket each year₹630
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- Fuel only at IndianOil: 7.5% back, up to ₹1,000 a month
- Spending ₹22,917 or more a month: the ₹1,770 fee is waived
Skip it if…
- you spend less than ₹22,917 a month (₹2,75,000 a year, rent and wallet loads not counted): the ₹1,770 fee is then charged
- most of your spending is utility bills, rent, insurance or education: those earn nothing on this card
- you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- you rarely spend on IndianOil: the 7.5% rate applies only there, everything else earns 1%
- you often pay in foreign currency: 3.5% is added to every foreign spend
- you sometimes pay only the minimum due: interest of 3.99% a month (47.88% a year) outweighs any reward
04Product Details
- Joining and annual fee: ₹1,500 each
- Fee waived on ₹2,75,000 annual spend
- About 7.5% back at IndianOil pumps, up to ₹1,000 a month
- About 1% on other spends
- 3,000 welcome fuel points
- 1,000 bonus points on ₹75,000 spend in a quarter
05Pros and Cons
Pros
- High 7.5% value on IndianOil fuel
- 1% on other spends, better than most fuel cards
- Welcome points cover the first year's fee
- Quarterly spend bonus
Cons
- ₹1,500 fee is high for a fuel card
- Waiver needs ₹2.75 lakh a year
- Fuel rewards capped at ₹1,000 a month
- No lounge access, 3.5% forex markup
06How RBL Bank IndianOil XTRA Credit Card earns Rewards
1% on most spends; 7.5% only at partner merchants.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | Earns nothing | - | a Visa or Mastercard card cannot pay by UPI |
| Online shopping | 1% | No cap | The card's normal rate |
| Dining and food delivery | 1% | No cap | The card's normal rate |
| Groceries | 1% | No cap | The card's normal rate |
| Travel: flights, hotels, trains | 1% | No cap | The card's normal rate |
| Fuel | 1% | No cap | Anywhere else in the category |
| Fuel, only at listed merchants | 7.5% | ₹1,000 | Only at: IndianOil (IOCL) fuel stationsTerms: 15 fuel points per ₹100 at IndianOil (~7.5% value, ~8.5% with surcharge waiver), capped 2,000 fuel points a month |
| Bills and recharges | Earns nothing | - | earns nothing on this card |
| Rent | Earns nothing | - | earns nothing on this card |
| Insurance premiums | Earns nothing | - | earns nothing on this card |
| School and college fees | Earns nothing | - | earns nothing on this card |
| Wallet top-ups | Earns nothing | - | earns nothing on this card |
| Taxes and government payments | Earns nothing | - | earns nothing on this card |
| Spend abroad or in a foreign currency | 1% | No cap | The card's normal rate |
| Everything else | 1% | No cap | The card's normal rate |
Terms on the base rate. 2 fuel points per ₹100 on non-fuel spends (~1%); 1 fuel point = ₹0.50 toward fuel at IndianOil, ₹0.10 elsewhere; utilities, insurance, rent, wallets, education, government services and EMI earn nothing and do not count toward the quarterly milestone
Point value. 1 point is worth about ₹0.5 at the bank's stated value.
07RBL Bank IndianOil XTRA Credit Card Travel Benefits
Spending abroad carries a 3.5% forex markup; rewards on it: 1% back (the normal rate). See what it costs on your trip
Also on the card. fuel surcharge waiver, milestone bonuses.
- Fuel surcharge waiver: 1% fuel surcharge waiver up to ₹200 each month, on individual fuel transactions between ₹500 and ₹4,000
- Milestone bonuses: 1,000 fuel points for every ₹75,000 spent in a calendar quarter, up to 4,000 points a year, a ₹3,00,000 annual equivalent, but only if the quarterly bar is cleared all four times
08RBL Bank IndianOil XTRA Credit Card Eligibility and Documents
- Employment
- Salaried or self-employed
Documents. PAN card Aadhaar / valid address proof Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph
09Recent Changes
What RBL Bank changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 7 Jan 2026 | Reduced: New 1% fee on large FASTag top-ups and toll paymentsSource: RBL Bank | No FASTag or toll transaction fee | 1% fee on any FASTag-loading or toll-payment transaction above ₹10,000 |
| 15 Oct 2024 | Reduced: New 1% fee on large fuel & utility transactionsSource: RBL Bank | No category surcharge beyond standard terms | 1% on single fuel spends above ₹10,000; 1% on monthly utility spends above ₹50,000 |
| 9 Sept 2024 | Changed: IndianOil XTRA launched, RBL's premium fuel co-brand | - | - |
See this card's change history → · All card changes in January 2026 →
10Cards Similar to RBL Bank IndianOil XTRA Credit Card
RBL Bank IndianOil XTRA Credit Card is a fuel card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | RBL Bank IndianOil XTRA Credit Card |  SBI BPCL Credit Card |  SBI BPCL Octane Credit Card |
|---|---|---|---|
| Joining fee | ₹1,500 + GST | ₹499 + GST | ₹1,499 + GST |
| Annual fee | ₹1,500 + GST | ₹499 + GST | ₹1,499 + GST |
| Rewards | 1% on most spends; 7.5% only at partner merchants | 0.25% base, up to 1.25% on dining; 3.25% only at partner merchants | 0.25% base, up to 2.5% on dining; 6.25% only at partner merchants |
| Domestic lounge | Not included | Not included | 4 visits a year |
| Forex markup | 3.5% | 3.5% | 3.5% |
| Type | Fuel | Fuel | Fuel |
11Explore More
Card facts last verified 11 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Never Miss Your RBL Bank IndianOil XTRA Credit Card Bill
The SkyloFin app reads your bank's bill SMS, reminds you before the due date and marks the bill paid when you pay. Free on Android, and your data stays on your phone.
Common Questions
How much can I save on fuel?
About 7.5% back at IndianOil outlets, up to 2,000 fuel points, or ₹1,000, a month.
Is the ₹1,500 fee waived?
Yes, for the next year, once you spend ₹2,75,000 in a year. Below that the fee plus GST is charged.
What is the welcome benefit?
3,000 fuel points once the joining fee is paid and you spend ₹500 or more within 30 days.
What is the joining fee for the RBL Bank IndianOil XTRA Credit Card?
The joining fee is ₹1,500 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the RBL Bank IndianOil XTRA Credit Card?
The annual fee is ₹1,500 + GST.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with RBL Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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