IndianOil RBL Bank Credit Card

Name: IndianOil RBL Bank Credit Card
Brand: RBL Bank

WalletWalk Rating

Best for fuel savings and IndianOil loyalists

Last updated: 23-Aug-2025

Overview

The IndianOil RBL Bank Credit Card offers high fuel savings with up to 100 litres of free petrol annually, valueback on spends, and surcharge waiver, making it ideal for regular motorists.

Pros

↑6% valueback at IndianOil fuel stations via 10 fuel points / ₹100 spent
↑Annual fee waiver

Cons

↓Rewards restricted mainly to fuel spends
↓Fuel point redemption value capped at ₹0.50 / point

Key Highlights

Welcome Offer
Get 1,000 fuel points when you spend ₹500 within 30 days of card issuance
Spend ₹500+ within 30 days of receiving the card and earn 1,000 bonus fuel points as a welcome benefit

Reward Rate
- 10 fuel points / ₹100 on eligible spends
fuel points / ₹100 at IndianOil fuel stations
fuel point / ₹100 on all other spends

Minimum Salary
₹1L - ₹3L

Joining Fee
₹500+ GST

Annual Fee
₹500+ GST
Annual fee waived on ₹1.75L annual spend

Key Benefits

Dining

▼

1 fuel points / ₹100 on dining spends

Food Delivery

▼

1 fuel points / ₹100 on food delivery

Fuel

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10 fuel points / ₹100 at IndianOil stations + 1% surcharge waiver

Grocery

▼

1 fuel points / ₹100 on grocery spends

Reward Points

▼

10 fuel points / ₹100 at IndianOil fuel stations
1 fuel point / ₹100 on all other spends

Shopping

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1 fuel points / ₹100 on spends including shopping

Merchant Offers

▼

10 fuel points / ₹100 at IndianOil

Detailed Information

Joining Fee	₹500+ GST
Annual Fee	₹500+ GST
Annual Fee Waiver	Annual fee waived on ₹1.75L annual spend
Monthly Percentage Rate	3.99%
Annual Percentage Rate	47.88%
Foreign Currency Markup	3.50%
Late Payment Charges	12.5% of total outstanding amount (min. ₹5 - max. ₹1,300)
Cash Advance Fee	2.5% of the transaction amount or min. ₹500
Fee For Cheque Bounce	₹500

Age Requirement Salaried	18 to 60/65 years
Age Requirement Self Employed	21 to 60/65 years
Minimum Annual Income Salaried	₹1L - ₹3L
Minimum Annual Income Self Employed	₹1L - ₹3L
Minimum Credit Score	750 - 900

Identity Proof	Aadhaar Card, PAN Card, Passport, etc.
Address Proof	Utility Bill, PAN Card, Aadhaar Card, Driving License, etc.
Income Proof Salaried	Recent salary slips (last 3 months), Form-16, bank statements
Income Proof Self Employed	Income proof (ITR), business registration documents, bank statements

IndianOil RBL Bank Credit Card