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IndianOil RBL Bank XTRA Credit Card
The higher-tier sibling of RBL's standard IndianOil card, trading a bigger annual fee for a much richer fuel rewards rate for high-mileage drivers and small fleet owners. It skips lounge access entirely to keep the focus purely on fuel savings.
Annual fee
₹1,500
Joining fee
₹1,500
Reward type
cashback
Base reward rate
1%
Card network
Mastercard
Card tier
Mid
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in fuel. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 1% base rate
- Domestic lounge access: Not offered
- International lounge access: Not offered
Benefits by category
- ⛽ Fuel
7.5% reward rate (capped ₹1,000/monthly) · 1% fuel surcharge waiver up to Rs 200 per month.
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹30,000
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹2,75,000
- Foreign currency markup: 3.5%
- Interest rate: 42% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver up to ₹200 per month on transactions across fuel stations
- Cash advance charges: 2.5% of the amount withdrawn, subject to a minimum of ₹500, per RBL's standard cash advance fee
Benefits
- 15 Fuel Points per Rs 100 spent at IndianOil outlets, worth up to 8.5% total savings with the surcharge waiver.
- 1,000 bonus Fuel Points on crossing Rs 75,000 quarterly spend.
- 1% fuel surcharge waiver up to Rs 200 per month.
Pros
- + Up to 8.5% effective savings on IndianOil fuel
- + Meaningful quarterly milestone bonus
- + Fee waiver achievable with regular fuel spending
Cons
- − No airport lounge access
- − Higher fee than the base IndianOil RBL card