3.5 from 343 Users
Get 6% Valueback at IndianOil fuel Stations
as 10 fuel points per ₹100 spent, capped at 1,000 fuel points per month
Get 1,000 Fuel Points on Spends Above ₹500
within 30 days of getting the card
Fuel
Shopping
Joining Fees
₹590 ( ₹500 + GST )
Earn 1,000 Fuel Points (worth ₹500) on spending ₹500 within 30 days of card issuance, effectively offsetting the joining fee.
Annual Fees
₹590 ( ₹500 + GST )
The annual fee is waived if you spend ₹1.75 lakh or more in a year on your card, as per bank policy.
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
Fuel Points can be redeemed for petrol/diesel at select IndianOil XTRAREWARDS outlets (best value: 1 Fuel Point = ₹0.50) or for vouchers and rewards on the RBL Rewards Portal/App at a lower value (₹0.10 per point).
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
Gift Cards and Vouchers
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 Spends (at non-IndianOil outlets)
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
Antique Items
Load Money
Liquid Assets
Outstanding Payments
Voucher Purchases
Donations to Religious Organizations
Donations to Political Organizations
Smartpay
Smartbuy Portal
For Spends Waiver
All Reversals
Cancelled Transactions
Cash Advances
ATM Cash Withdrawals
Quasi-Cash Transactions
Money Transfers
P2P Transfers
Wallet Loads
Gift Cards and Vouchers
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
Antique Items
Load Money
Liquid Assets
Outstanding Payments
Voucher Purchases
Donations to Religious Organizations
Donations to Political Organizations
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. | 3.50% |
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). | 2.50% |
Reward Redemption Fees A reward redemption handling fee of ₹99 plus applicable GST is charged per redemption request. | ₹99 |
Link for all T&Cs | Click Here |
Railway Surcharge A railway booking surcharge of 1.80% for online transactions and 2.50% for other bookings is applied, with additional bank charges and taxes recovered at actuals. | 1.80% |
Rent Payment Fees 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges | 1% |
Cheque Payment Fees No cheque payment fee is charged | Not Applicable |
Cash Payment Fees ₹100 cash payment fee per deposit. | ₹100 |
| Late Payment Fees Additional ₹100 is charged if Minimum Amount Due remains unpaid for two consecutive cycles, continuing until cleared | Amount Due |
|---|---|
| ₹0 - ₹40 | ₹5 |
| ₹41 - ₹100 | ₹10 |
| ₹101 - ₹500 | ₹100 |
| ₹501 - ₹5,000 | ₹500 |
| ₹5,001 - ₹10,000 | ₹750 |
| ₹10,001 - ₹25,000 | ₹950 |
| ₹25,001 - ₹50,000 | ₹1,100 |
| ₹50,000 and above | ₹1,300 |
TOP USPs
Get 6% Valueback at IndianOil fuel Stations
as 10 fuel points per ₹100 spent, capped at 1,000 fuel points per month
Get 1,000 Fuel Points on Spends Above ₹500
within 30 days of getting the card
Apply Now