About IndianOil RBL Bank XTRA Credit Card
The IndianOil XTRA Credit Card is one of the two fuel-focused cards offered by RBL Bank in partnership with Indian Oil Corporation Limited. With this collaboration, RBL Bank becomes the fourth major issuer to launch co-branded fuel credit cards with IOCL, joining HDFC Bank, Axis Bank, and Kotak Mahindra Bank.
Cardholders can save up to 8.5% on fuel spends, which, as per the bank, can translate into as much as 250 litres of free fuel annually. This makes the IndianOil RBL XTRA Credit Card one of the most rewarding fuel cards in India, even surpassing the popular BPCL SBI Card Octane that offers up to 7.25% value-back.
For more fuel card options, you can also check our detailed guide on best fuel credit cards in India.
Offering an impressive 8.5% value-back, the IndianOil RBL Bank XTRA Credit Card stands out as one of India’s best fuel credit cards, especially for those loyal to Indian Oil Corporation Limited. By spending around ₹45,000 per month, cardholders can earn rewards equivalent to up to 250 litres of fuel annually—outperforming the BPCL SBI Card Octane by 1.25%. It is important to note that this card is specifically designed for fuel expenses. Unlike other fuel cards such as the BPCL SBI Octane or IDFC FIRST Power Plus Credit Card, which also offer benefits on everyday categories, this card focuses entirely on maximizing fuel savings.
For daily commuters and heavy fuel users, this card is an excellent choice to get the maximum value from fuel spends.
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
Suggested Read: Best Rewards Credit Cards for Everyday Spending
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.
Also Read – Best Credit Cards in India 2026
Fees and Charges
| Particulars | Amount |
|---|
| Joining/Annual Fee | Rs. 1,500 + applicable taxes |
| Finance Charges | Up to 3.99% p.m. (Up to 47.88% p.a.) |
| Late Payment Charges | 12.5% of the total outstanding amount (Min. Rs. 5 and Max. Rs. 1,300) |
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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
Eligibility Criteria
- Age: 21 to 70 years
- Occupation: Salaried or Self-employed
- Credit Score: Should have a good credit history
IndianOil RBL Bank XTRA Credit Card Highlights
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.
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.
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
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Frequently Asked Questions
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.
Fuel Points can be redeemed for:
IOCL fuel purchases (1 Fuel Point = Rs. 0.50)
Petrol vouchers
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.
