Indian Oil RBL Bank XTRA Credit Card
3 from 234 Users
3 from 234 Users
3,000 Fuel Points as Welcome Benefit
on spending ₹500 or more within 30 days of card issuance
Up to 7.5% Valueback on Fuel Purchases
through accelerated fuel points earnings and fuel surcharge waiver benefits
Quarterly Fuel Bonus on Spend Milestone
with 1,000 additional fuel points on crossing quarterly spends of ₹75,000
Fuel
Shopping
Joining Fees
₹1,770 ( ₹1500 + GST )
The ₹1,500 joining fee is effectively offset by earning 3,000 Fuel Points (worth ₹1,500) on completing a ₹500+ transaction within 30 days of card issuance.
Annual Fees
₹1,770 ( ₹1500 + GST )
Annual fee waived if you spend more than INR 2,75,000 per year.
Age Criteria
21-70 years
Salary Criteria
3 LPA
Credit Rating*
720+
See if you are eligible for this card
Rewards Conversion Rate
1 Fuel Point = ₹0.5
Redemption Options
Redeem Fuel Points instantly at IndianOil fuel stations by selecting XTRAREWARDS. Points can also be redeemed online on rblrewards.com or the RBL MyCard App for travel, shopping, electronics, and vouchers, with options for partial or full point redemption.
To check redemption catalogue
All Benefits
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
All Reversals
Cancelled Transactions
Cash Advances
ATM Cash Withdrawals
Quasi-Cash Transactions
Money Transfers
P2P Transfers
Wallet Loads
Load Money
Gift Cards and Vouchers
Voucher Purchases
EMI Spends
Bank Charges & Fees
Late Payment Fees
Processing Fees
Financial Charges
Interest Charges
Payment Returned Charges
Service/Interest Charges
Transaction Charges
Education Spends
Fuel Surcharge
Toll Payments
Gambling Transactions
Lottery
Online Skill-Based Gaming
Government-related Transactions
Utility Bill Payments
Telecom
Taxes
Insurance Payments
Jewellery Purchases
Forex Transactions
Cryptocurrency/Digital Asset Transactions
Rent Payment
Railways
Transportation
Business Services
Contracted Services
Collection Agencies
Security Broker Services
Charity
Donations
Donations to Religious Organizations
Donations to Political Organizations
Antique Items
Liquid Assets
Outstanding Payments
Smartpay
Smartbuy Portal
For Spends Waiver
All Reversals
Cancelled Transactions
Cash Advances
ATM Cash Withdrawals
Quasi-Cash Transactions
Money Transfers
P2P Transfers
Wallet Loads
Load Money
Gift Cards and Vouchers
Voucher Purchases
EMI Spends
Bank Charges & Fees
Late Payment Fees
Processing Fees
Financial Charges
Interest Charges
Payment Returned Charges
Service/Interest Charges
Transaction Charges
Education Spends
Fuel Surcharge
Toll Payments
Gambling Transactions
Lottery
Online Skill-Based Gaming
Government-related Transactions
Utility Bill Payments
Telecom
Taxes
Insurance Payments
Jewellery Purchases
Forex Transactions
Cryptocurrency/Digital Asset Transactions
Rent Payment
Railways
Transportation
Business Services
Contracted Services
Collection Agencies
Security Broker Services
Charity
Donations
Donations to Religious Organizations
Donations to Political Organizations
Antique Items
Liquid Assets
Outstanding Payments
Smartpay
Smartbuy Portal
| Structure | Details |
|---|---|
Forex Markups   3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. | 3.5% |
APR Fees Finance charges of 3.99% per month (47.88% per annum) apply on unpaid outstanding balances until the amount is fully repaid. | 3.99% |
ATM Withdrawl 2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable). | 2.5% |
Reward Redemption Fees ₹99 + GST redemption fee per request | ₹99 |
Link for all T&Cs | Click Here |
Railway Surcharge A surcharge of 1.8% is applied to transactions made for booking railway tickets. | 1.8% |
Rent Payment Fees 1% rent payment fee applies. | 1% |
Cheque Payment Fees | N/A |
Cash Payment Fees ₹100 cash payment fee per deposit. | ₹100 |
| Late Payment Fees 12.5% of outstanding (min ₹5, max ₹1,300) | Amount Due |
|---|
TOP USPs
3,000 Fuel Points as Welcome Benefit
on spending ₹500 or more within 30 days of card issuance
Up to 7.5% Valueback on Fuel Purchases
through accelerated fuel points earnings and fuel surcharge waiver benefits
Apply Now