IndianOil RBL Bank XTRA Credit Card
Fees
₹1,500 + Taxes
Joining & annual
Reward Rate
Up to 8.5% total fuel savings profile at IndianOil outlets
Welcome Bonus
Up to 3,000 fuel points reward points milestone on onboarding actions within 30 days
Lounge
No Lounge Access
Our Expert Take
IndianOil RBL XTRA is a fuel-focused card: combined with surcharge waivers, savings at IndianOil outlets run up to 8.5%, with a smaller 2X bonus on groceries and dining. It only makes sense if you regularly fuel up at IndianOil specifically.
Reward limits
Checked 3 Oct 2026 · Bank terms
-
15 fuel points per ₹100 at IndianOil (7.5%)
Max 2,000 fuel points (≈₹1,000) per month
Reached after about ₹13,300 of spend
-
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
Where this card earns most
Paying directly in the app or site · 1% on other spends
Pros & Cons
Key Advantages
- Strong combined fuel savings from reward points plus surcharge waivers
- 2X points on groceries and dining
- An achievable annual spend target to waive the fee entirely
Limitations
- Best fuel savings only apply at IndianOil outlets
- No airport lounge access
Key Perks & Spending Milestones
Up to 8.5% comprehensive savings profile across petrol/diesel refueling transactions at IndianOil pumps
Earn 30 fuel points for every ₹100 spent directly on fuel at IndianOil fuel terminals
1% complete fuel surcharge waiver on transactions ranging between ₹500 and ₹4,000
2X reward point multipliers on general groceries, supermarkets, and everyday digital dining orders
Zero liability lost card protection plan coverage immediately active from time of reporting
Spend milestone
Annual renewal subscription fee waived for the subsequent cycle upon reaching ₹2.75 Lakhs in annual spends
Fees & Charges
Joining fee
₹1,500 + Taxes
Annual fee
₹1,500 + Taxes
Annual fee waived on ₹2.75 Lakh annual retail spends
Interest rate
3.99% per month (47.88% per annum)
Late payment fee
up_to_100: Nil; 101_to_500: ₹100; 501_to_1000: ₹500; 1001_to_5000: ₹600; 5001_to_10000: ₹750; 10001_to_25000: ₹900; 25001_to_50000: ₹1,100; above_50000: ₹1,300
Insurance & Protection Benefits
Eligibility Criteria
Credit score & income
Good (700+), Salaried minimum income ₹25,000/month
Frequently Asked Questions
How much can I save on fuel with IndianOil RBL XTRA?
How does XTRA compare to the standard IndianOil RBL card?
Does this card offer lounge access?
Compare IndianOil RBL Bank XTRA Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| IndianOil RBL Bank XTRA Credit Card This Card | ₹1,500 + Taxes | Up to 8.5% total fuel savings profile at IndianOil outlets | No Lounge Access | 4.1/5 |
| Standard Chartered Super Value Titanium Credit Card | ₹750 + Taxes | 5% cashback on fuel, telecom & utility bills (capped... | No Lounge Access (Premium Banking customers get 1 Priority Pass visit/month) | 4.3/5 |
| HDFC IndianOil Credit Card | ₹500 + Taxes | 5% Fuel Points at IndianOil outlets, groceries, and bill payments | No Lounge Access | 4.2/5 |
| IndianOil Kotak Credit Card | ₹499 + Taxes | 24 points per ₹150 on IndianOil fuel (~4% value-back, capped at... | No Lounge Access | 4.2/5 |