IndianOil RBL Bank XTRA Credit Card on PhonePe
No. The IndianOil RBL Bank XTRA Credit Card earns no rewards on PhonePe.
On PhonePe
0%
Other spends
1%
Rank for PhonePe
#143 of 149
Annual fee
₹1,500 + Taxes
What to know before you pay on PhonePe
How it works
IndianOil 7.5% in points (+1% surcharge waiver) at select IOCL stations, up to 2,000 points a month. Telecom recharges (Airtel/Jio) aren't excluded; electricity-type bills are.
Caps & rules
- 15 Fuel Points per ₹100 at select IndianOil stations (7.5%), capped at 2,000 points a month (≈₹13,300 of fuel); plus 1% fuel surcharge waiver (₹500-₹4,000 txns, up to ₹200/month) = 8.5% total.
- 2 points per ₹100 elsewhere.
- 1 Fuel Point = ₹0.50, redeemable for IndianOil XTRA rewards.
- 1,000 bonus points on ₹75,000 per quarter.
Reward limits
- 15 fuel points per ₹100 at IndianOil (7.5%): max 2,000 fuel points (≈₹1,000) per month
- 1% fuel surcharge waiver: max ₹200 per month
- 2 fuel points per ₹100 on other spends: No limit
No rewards on
Utilities (4900), insurance, quasi-cash, rent, education, wallets, government, contracted services, cash, railways
Checked 2026-10-03 · Bank terms
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Questions
Does the IndianOil RBL Bank XTRA Credit Card give rewards on PhonePe?
No. The IndianOil RBL Bank XTRA Credit Card earns no rewards on PhonePe.
Is there a limit on IndianOil RBL Bank XTRA Credit Card rewards?
15 Fuel Points per ₹100 at select IndianOil stations (7.5%), capped at 2,000 points a month (≈₹13,300 of fuel); plus 1% fuel surcharge waiver (₹500-₹4,000 txns, up to ₹200/month) = 8.5% total. 2 points per ₹100 elsewhere. 1 Fuel Point = ₹0.50, redeemable for IndianOil XTRA rewards. 1,000 bonus points on ₹75,000 per quarter.
Which credit card is best for PhonePe?
PhonePe SBI Card SELECT BLACK gives the most on PhonePe, 10% back. The IndianOil RBL Bank XTRA Credit Card ranks #143 of 149 cards we compared.