IndianOil RBL Bank Credit Card Review (Regular & XTRA)
The IndianOil RBL Bank cards are fuel co-brands for IndianOil customers — strong value back on IOCL fuel and free fuel annually. The XTRA variant pushes savings to among the best in India. Here is the verified review.
- 5% (regular) / up to 8.5% (XTRA) value back at IndianOil
- Up to 100 litres (regular) / 250 litres (XTRA) free fuel/year
- 1% fuel surcharge waiver; 1,000 welcome Fuel Points
- Fees waivable on annual spend
- MasterCard/RuPay options
- Fuel Points capped (1,000 regular / 2,000 XTRA per month)
- Best value only at IndianOil pumps
- Low 1–2 Fuel Points/₹100 off fuel
- Fuel Points are fuel-oriented in value
- XTRA fee higher (₹1,500)
Regular vs XTRA
| Feature | IndianOil RBL (Regular) | IndianOil RBL XTRA |
|---|---|---|
| Fee | ₹500 (waived ₹1.75L) | ₹1,500 (waived ₹2.75L) |
| Fuel value back | 5% (10 FP/₹100, cap 1,000/mo) | Up to 8.5% (15 FP/₹100, cap 2,000/mo) |
| Free fuel/year | Up to 100 litres | Up to 250 litres |
| Other spends | 1 FP per ₹100 | 2 FP per ₹100 |
| Surcharge waiver | 1% | 1% |
Who this card is for
- Best fit: IndianOil loyalists — XTRA for heavy fuel spenders, regular for moderate.
- Skip if: you fuel elsewhere or want a broad rewards card.
How to apply & how to cancel
Apply: via rblbank.com. Cancel: call RBL after clearing dues; redeem Fuel Points first.
Final verdict
The IndianOil RBL cards are among the strongest fuel cards for IOCL customers — 5% (regular) up to 8.5% (XTRA) value back plus generous free fuel. The XTRA offers one of India’s best fuel-savings rates for heavy spenders; both concentrate value at IndianOil, so pair with a flat-rate card for everything else.
Frequently asked questions
How much fuel value?
5% on the regular card (10 Fuel Points per ₹100, capped 1,000/month) and up to 8.5% on the XTRA (15 Fuel Points per ₹100, capped 2,000/month), each with a 1% surcharge waiver.
How much free fuel?
Up to 100 litres a year (regular) and up to 250 litres (XTRA).
What are the fees?
₹500 (regular, waived at ₹1.75 lakh) and ₹1,500 (XTRA, waived at ₹2.75 lakh).
Which is better?
The XTRA for heavy IndianOil fuel spenders; the regular for moderate fuel use.
Data current as of June 2026, cross-checked against RBL Bank and IndianOil. Confirm current terms on rblbank.com before applying.