IndianOil RBL Bank Credit Card
3.5 from 343 Users
3.5 from 343 Users
10 Fuel Points per ₹100 on IndianOil Fuel Spends
on every ₹100 spent at IndianOil fuel stations, with accelerated fuel rewards
Annual Fee Waiver on ₹1.75 Lakh Spends
when total card spends reach ₹1.75 lakh in a calendar year
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 lakhs or more in a year on your IndianOil RBL Bank Credit Card.
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. | 3.5% |
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 |
|---|---|
| ₹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
10 Fuel Points per ₹100 on IndianOil Fuel Spends
on every ₹100 spent at IndianOil fuel stations, with accelerated fuel rewards
Annual Fee Waiver on ₹1.75 Lakh Spends
when total card spends reach ₹1.75 lakh in a calendar year
Apply Now