IndianOil RBL Bank XTRA Credit Card
RBL Bank
₹1,500
Joining fee
₹1,500, waived at ₹2.8L spend
Annual fee
Joining/annual fee (Rs 1,500 + GST) waived if annual spend exceeds Rs 2,75,000.
3.5%
Forex markup
4.5 / 5
Rating
Eligibility
Estimated minimum income: ₹35,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 700+
Estimated — not officially confirmed by the bank.
Age: 18+
Open to salaried and self-employed individuals (BankBazaar-sourced)
Lounge access
0 domestic / 0 international visits per year
Reward details
2 fuel points per Rs 100 on other purchases
- 15 fuel points per Rs 100 on IndianOil stations — 2,000 points/month
Welcome bonus: 3,000 fuel points upon activation (after Rs 500+ spend within 30 days)
- Rs 75,000 quarterly spend: 1,000 fuel points
Category caps
- Fuel surcharge waiver: 1% up to Rs 200/month
Redemption
Redeemable at IndianOil stations.
Ratio: 1 fuel point = Rs 0.5
Excluded from rewards: utilities, insurance, quasi-cash, railways, real estate, education, wallets, government services, contracted services, cash, miscellaneous, EMI conversions
- Up to 250 litres of free fuel possible per year (BankBazaar). Available on MasterCard and RuPay networks; RuPay variant includes NCMC and UPI functionality.
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- Positioned as beneficial for regular fuel buyers, offering significant savings; a cost-effective choice for high spenders — BankBazaar
Sources
- Official — fees, rewards, exclusions
- Aggregator — eligibility, lounge, rewards, sentiment