IndianOil RBL Bank XTRA Credit Card

Name: IndianOil RBL Bank XTRA Credit Card
Brand: RBL Bank

WalletWalk Rating

Best for savings on fuel

Last updated: 23-Aug-2025

Overview

The IndianOil RBL Bank XTRA Credit Card is designed for heavy fuel spenders, offering valueback in the form of fuel points redeemable at IndianOil fuel stations along with shopping and milestone rewards.

Pros

↑Up to 15 fuel points / ₹100 at IndianOil stations (worth 7.5% valueback)
↑3,000 welcome fuel points + 1,000 quarterly milestone points

Cons

↓Max 2,000 points / month on fuel spends
↓₹2.75L spend required for annual fee waiver

Key Highlights

Welcome Offer
Unlock 3,000 bonus fuel points after your first ₹500+ spend within 30 days
Spend ₹500+ within 30 days of issuance to receive 3,000 welcome fuel points

Reward Rate
- 15 fuel points / ₹100 on eligible spends
fuel points / ₹100 at IndianOil
fuel points / ₹100 on all other spends

Minimum Salary
₹1L - ₹3L

Joining Fee
₹1,500+ GST

Annual Fee
₹1,500+ GST
Annual fee waived on ₹2.75L annual spend

Key Benefits

Dining

▼

2 fuel points / ₹100 on dining spends

Food Delivery

▼

2 fuel points / ₹100 on food delivery

Fuel

▼

15 FP / ₹100 (7.5%) + surcharge waiver up to ₹200 / month

Grocery

▼

2 fuel points / ₹100 on grocery spends

Milestone

▼

1,000 bonus fuel points / ₹75,000 quarterly spend

Reward Points

▼

15 fuel points / ₹100 at IndianOil
2 fuel points / ₹100 on all other spends

Shopping

▼

2 fuel points / ₹100 on spends including shopping

Merchant Offers

▼

15 fuel points / ₹100 at IndianOil

Detailed Information

Joining Fee	₹1,500+ GST
Annual Fee	₹1,500+ GST
Annual Fee Waiver	Annual fee waived on ₹2.75L 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 XTRA Credit Card