CardAgent
Verified by CardAgent admin · last checked 08 Jul 2026
RBL Bank

RBL Bank IndianOil XTRA

27
Ranked #118 of 170 in credit
creditMastercard/RuPayEntry-Fuel

RBL's premium IndianOil co-branded fuel card offering a market-leading 7.5% value-back at IndianOil stations (up to 250 litres free petrol/year on high spenders), positioned above the base "IndianOil RBL Bank Credit Card" (500 fee, 5% rate).

Score breakdown

Data completeness: 70% · Last verified: 09 Jul 2026

Reward value14/100 · weight 71%
≈ 0.70% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +0.6% score bonus — earns broadly without narrow category restrictions.
Fee efficiency87/100 · weight 12%
Redemption flexibility75/100 · weight 9%
Perks0/100 · weight 9%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee
₹1,500 + 18% GST
= ₹1,770 total
Annual fee
₹1,500 + 18% GST
= ₹1,770 / year total
Waiver: Waived on annual spend of Rs2,75,000+
Forex markup
3.5%

Lounge access

Domestic (per year)
0
International (per year)
0

Reward structure

CategoryTypeRateCapNotes
fuelpoints3.75%(7.5 pts @ ₹0.50)₹2,000 / monthly15 pts/Rs100 at IndianOil stations, capped 2,000pts/month
all_spendspoints0.50%(1 pts @ ₹0.50)—2 pts/Rs100 base rate

Welcome offer

3,000 Fuel Points on Rs500+ spend within 30 days; 1,000 more on Rs75,000 quarterly milestone; welcome benefit applies only after annual fee is paid

Milestone benefits

Pros

  • Best-in-class 7.5% value-back at IndianOil stations (among the strongest fuel co-brand rates in India, per CardMaven)
  • achievable Rs2.75L fee waiver threshold
  • RuPay variant supports UPI/NCMC

Cons

  • Value narrowly concentrated on IndianOil-brand fuel only
  • capped at 2,000 fuel points/month on the accelerated rate
  • no lounge or lifestyle benefits

What's inside

More benefits

  • Fuel points redemption at IndianOil

    Redeem accumulated fuel points directly for free petrol at IndianOil outlets

    unlimited. Min redemption threshold applies

Insurance cover

text
₹NaN

Eligibility

text
Age 21-65; income ~Rs3L+ p.a. indicative

Small print

Fuel surcharge:1% waiver, capped Rs200/month