IndianOil RBL Bank XTRA Credit Card
Fees
₹1,500 + Taxes
Joining & AnnualReward 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 Access
No Lounge Access
FindMyCard 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.
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
Editorial Verdict
The IndianOil RBL Bank XTRA Credit Card is ideally suited for high monthly fuel & petrol expenditures via indianoil outlets. If you want up to 8.5% total fuel savings profile at indianoil outlets, this card delivers real value. The ₹1,500 + taxes is easily offset by the card's perks if you use it regularly. You'll generally need Good (700+), Salaried minimum income ₹25,000/month credit to be approved.
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
🚀 Milestone Spends Timeline
Annual renewal subscription fee waived for the subsequent cycle upon reaching ₹2.75 Lakhs in annual spends
Fees & Charging Rates
Annual Fee Waivers
₹1,500 + Taxes
💡 Annual fee waived on ₹2.75 Lakh annual retail spends
Regular Interest Charges
3.99% per month (47.88% per annum)
📅 Late Payment Fee Penalty Tiers
Insurance & Protection Benefits
Eligibility Criteria
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... | — | 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 |