IndianOil RBL Bank XTRA Credit Card
RBL Bank RBL Bank

IndianOil RBL Bank XTRA Credit Card

/assest/image/icons/co-brand.svg Co-branded
/assest/image/icons/fuel.svg Fuel
/assest/image/icons/rewards.svg Reward Points
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Joining Fee: ₹1500* Plus Applicable Taxes

Renewal Fee: ₹1500*Plus Applicable Taxes

Co-branded Co-branded
Fuel Fuel
Reward Points Reward Points
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Joining Fee: ₹1500* + Tax

Renewal Fee: ₹1500* + Tax

Welcome benefits:- 3,000 Fuel Points on making the first card transaction of at least Rs. 500 within 30 days of card issuance.

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About The Card Rewards Program Features & Benefits Fees & Charges Thinks We Know FAQs

About IndianOil RBL Bank XTRA Credit Card

The IndianOil XTRA Credit Card is one of the two fuel cards offered by RBL Bank in partnership with IndianOil. With this collaboration, RBL Bank has become the fourth issuer to launch co-branded fuel credit cards with IOCL, alongside HDFC Bank, Axis Bank, and Kotak Mahindra Bank.

This card allows users to save up to 8.5% on fuel spends, which can add up to as much as 250 litres of free fuel in a year. With this benefit, the IndianOil RBL XTRA Credit Card surpasses the BPCL SBI Card Octane (which offered up to 7.25% value-back) to become one of the most rewarding fuel credit cards in India.

IndianOil RBL Bank XTRA Credit Card Rewards Program

Rewards Earning

  • 15 Fuel Points for every Rs. 100 spent at IndianOil fuel stations
  • 2 Fuel Points for every Rs. 100 spent on all other purchases (except excluded categories)

Redemption Value

  • 1 Fuel Point = Rs. 0.50 at IOCL petrol pumps / petrol vouchers
  • 3 Fuel Points = 5 XTRAREWARDS Points (XRP), where 1 XRP = Rs. 0.30
  • 1 Fuel Point = Rs. 0.10 on redemption through RBL Bank Rewards Portal

Other Features and Benefits

Welcome Benefit

  • 3,000 Fuel Points on the first transaction of at least Rs. 500 within 30 days of card issuance.

Milestone Benefit

  • 1,000 Fuel Points on spending Rs. 75,000 in a calendar quarter.
  • Cash withdrawals, EMI transactions, fees, charges, and GST are excluded from milestone calculations.

Annual Fee Waiver

  • Annual fee waived on yearly spends of Rs. 2.75 lakh or more.

Fuel Surcharge Waiver

  • 1% waiver on fuel surcharge (up to Rs. 200 per month) for transactions between Rs. 500 and Rs. 4,000.

Fees and Charges

ParticularsAmount
Joining/Annual FeeRs. 1,500 + applicable taxes
Finance ChargesUp to 3.99% p.m. (Up to 47.88% p.a.)
Late Payment Charges12.5% of the total outstanding amount (Min. Rs. 5 and Max. Rs. 1,300)

Things to Know Before you apply

Get this card if:

  • You regularly commute using your own vehicle and fuel forms a large share of your monthly expenses.
  • You want to maximise savings by redeeming Fuel Points for future IndianOil fuel purchases.
  • You are loyal to IndianOil (IOCL) and prefer it over other fuel brands like HPCL or BPCL.

Eligibility Criteria

  • Age: 21 to 70 years
  • Occupation: Salaried or Self-employed
  • Credit Score: Should have a good credit history

Document Required For IndianOil RBL Bank XTRA Credit Card

  • Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
  • Proof of Address: Aadhaar Card, Driver’s License, Passport
  • Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement

IndianOil RBL Bank XTRA Credit Card Hilights

What do we like about this card?

  • Welcome Benefit: 3,000 Fuel Points on first transaction of Rs. 500 or more within 30 days of issuance.
  • Reward Program: Earn 15 Fuel Points per Rs. 100 spent at IndianOil outlets, 2 Fuel Points on all other spends.
  • Fuel Savings: Save up to 8.5% on IOCL fuel spends (up to 250 litres free fuel annually).
  • Milestone Benefit: 1,000 Fuel Points on quarterly spends of Rs. 75,000.
  • Redemption Value: 1 Fuel Point = Rs. 0.50 at IOCL pumps / petrol vouchers.
  • Fuel Surcharge Waiver: 1% waiver (up to Rs. 200 per month) on transactions of Rs. 500–4,000.
  • Annual Fee Waiver: Spend Rs. 2.75 lakh in a year to get the fee waived.

Pros

  • Save up to 8.5% on IndianOil fuel spends.
  • Decent rewards redemption ratio of 2:1 when redeeming Fuel Points at IOCL pumps.
  • Earn up to 4,000 Fuel Points annually as milestone bonus.

Cons

  • Accelerated rewards are limited only to fuel spends at IOCL.
  • No complimentary lounge access for frequent travelers.

RBL Bank Credit Card Contact Details

Contact Address: RBL Bank Ltd., One Indiabulls Centre, 16th Floor, Tower 2, Senapati Bapat Marg, Elphinstone Road, Mumbai – 400013, Maharashtra, India

Helpline: 022-62327777 or 1800-121-9050 (toll-free)

Simply SMS: Send ICON to 5607011 to get a callback or apply

Frequently Asked Questions

Everything you need to know about this credit card

You get 3,000 Fuel Points as a welcome bonus when you make your first transaction of at least Rs. 500 within 30 days of card issuance.

You earn 15 Fuel Points per Rs. 100 spent at IndianOil fuel stations and 2 Fuel Points per Rs. 100 on all other eligible spends.

  1. Fuel Points can be redeemed for:
  2. IOCL fuel purchases (1 Fuel Point = Rs. 0.50)
  3. Petrol vouchers
  4. RBL Rewards Portal (1 Fuel Point = Rs. 0.10).

Yes, you earn 1,000 Fuel Points on reaching a quarterly spending milestone of Rs. 75,000 (excluding EMIs, fees, charges, GST, and cash withdrawals).

Yes, you get a 1% fuel surcharge waiver (up to Rs. 200 per month) on fuel transactions between Rs. 500 and Rs. 4,000.

Yes, the annual fee is waived if you spend Rs. 2.75 lakh or more in a year.

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