RBL Bank
IndianOil RBL Bank XTRA Credit Card
Discover the IndianOil RBL Bank XTRA Credit Card, designed for fuel enthusiasts to earn up to 8.5% value-back and enjoy exclusive rewards.
Highlights
Main benefits
- Up to 8.5% savings on IndianOil fuel spends.
- Welcome benefit of 3,000 Fuel Points.
- Quarterly milestone bonus Fuel Points.
- 2 Fuel Points per ₹100 on other eligible spend.
Fees
Fees and charges
Joining fee
₹1,500 + GST
Renewal fee
₹1,500 + GST
Annual fee waiver
Annual fee is waived on spending ₹2.75 lakh or more in a year.
Who can apply
Eligibility
- Salaried Applicants:
Age: 21–65 years
Stable income source
Good credit score preferred (usually 750+ improves approval chances).
- Self-Employed Applicants:
Age: 25–65 years
Regular business income and valid income proof required.
- Indian resident citizen.
- Valid PAN and Aadhaar.
- Good repayment history and credit profile.
Checklist
Documents required
- Identity Proof
Any one:
PAN card
Aadhaar card
Passport
Driving licence
Voter ID.
- Address Proof
Aadhaar
Passport
Utility bill
Rental agreement
Driving licence.
- Income Proof
For salaried:
Latest salary slips
Bank statements
For self-employed:
ITR
Business proof
Bank statements
Process
How to apply
1. Visit the official RBL page.
2. Click “Apply Now”.
3. Fill in details
Mobile number
PAN
Income and employment details
Address details
4. Upload documents.
5. Complete OTP/video KYC verification.
6. RBL performs credit and eligibility checks.
7. After approval:
- Virtual approval/SMS may come first
- Physical card is delivered to your address.
Value
Reward and cashback structure
Reward rate
15 Fuel Points per ₹100 spent at IndianOil fuel stations,
Effective value-back: 7.5%
Plus 1% fuel surcharge waiver = total up to 8.5% savings on fuel;
2 Fuel Points per ₹100 on other eligible retail spends;
1 Fuel Point = ₹0.50 when redeemed at IndianOil outlets/fuel vouchers.
Cashback
- Up to 250 litres of free petrol annually.
Good fit
Pros
- Very strong reward rate for IndianOil fuel purchases.
- Annual fee waiver achievable for moderate users.
- Useful milestone Fuel Point bonuses.
- Fuel Points redemption process is relatively simple at IOCL outlets
- Good option for car owners, bike riders, taxi drivers, and frequent travelers by road.
- Fuel surcharge waiver adds extra savings.
Watchouts
Cons
- No complimentary airport lounge access.
- Rewards are mostly fuel-focused, not flexible cashback.
- Limited travel and lifestyle benefits.
- Fuel Point earning has monthly caps.
- Lower value for users who spend mainly outside fuel category.
- RBL Bank approval process can sometimes be strict.
- Fuel Points generally work best only within IndianOil ecosystem.
Related
Related cards
Compare
Compare Cards
| Field | IndianOil RBL Bank XTRA Credit Card | HDFC Diners Club Black METAL Credit Card |
|---|---|---|
| Bank/provider | RBL Bank | HDFC Bank |
| Joining fee | ₹1,500 + GST | ₹10,000/- plus Applicable Taxes |
| Renewal fee | ₹1,500 + GST | ₹10,000/- plus Applicable Taxes |
| Best for |
| Luxury travel, airport lounge access, and maximum reward points on high spending |
| Reward rate |
|
|
| Cashback | Up to 250 litres of free petrol annually | Cashback redemption value: around ₹0.30 per point against statement balance |
| Lounge access | No lounge access | Unlimited lounge access to 1,300+ lounges in India and abroad for primary and add-on card members |
| Fuel surcharge waiver |
| 1% waiver at fuel stations across India on transactions above ₹400, with a maximum waiver of ₹1,000 per statement cycle |
| Welcome benefit | Get 3,000 Fuel Points (worth about ₹1,500) after paying the joining fee and completing the first eligible transaction within 30 days | Annual memberships of Club Marriott, Amazon Prime and Swiggy One on 1.5 Lakh spends in first 90 days |
| Annual fee waiver condition | Annual fee is waived on spending ₹2.75 lakh or more in a year | Spend ₹ 8 lakh in 12 Months and get Renewal Fee waived for next renewal year |
| Eligibility |
|
|
| Apply link | Apply | Apply |