IndianOil RBL Bank Credit Card Review: Regular vs XTRA
RBL Bank offers two IndianOil co-brand cards. Both earn fuel points at IndianOil outlets worth ₹0.50 each, plus a 1% fuel surcharge waiver, making them among the highest-earning fuel cards in India.
The XTRA variant earns more and has a higher monthly cap, but costs ₹1,500 and needs ₹2.75 lakh a year to waive the fee.
- About 5% (regular) or 8.5% (XTRA) back at IndianOil
- Fuel points redeem for free fuel at ₹0.50 a point
- Fee waivers at ₹1.75 lakh and ₹2.75 lakh
- XTRA: 3,000 welcome points and quarterly milestone points
- Available on RuPay for UPI
- Monthly fuel point caps (1,000 regular, 2,000 XTRA)
- Surcharge waiver capped at ₹100 (regular) or ₹200 (XTRA) a month
- Low earn outside fuel
- Many categories excluded
- Free-litre claims assume high monthly spend
Fees and charges
| Item | Detail |
|---|---|
| IndianOil RBL fee | ₹500 + GST, waived above ₹1.75 lakh annual spend |
| IndianOil RBL XTRA fee | ₹1,500 + GST, waived above ₹2.75 lakh annual spend |
| Surcharge waiver | 1%, up to ₹100 a month (regular) or ₹200 a month (XTRA) |
Rewards: how the card earns
| Feature | IndianOil RBL | IndianOil RBL XTRA |
|---|---|---|
| IndianOil fuel | 10 points per ₹100 (up to 1,000 a month) | 15 points per ₹100 (up to 2,000 a month) |
| Other spends | 1 point per ₹100 | 2 points per ₹100 |
| Effective fuel return | ~5% (incl. 1% waiver) | ~8.5% (incl. 1% waiver) |
| Welcome | 1,000 points on ₹500 spend in 30 days (after fee) | 3,000 points |
| Milestone | — | 1,000 points per ₹75,000 quarter |
1 fuel point = ₹0.50.
What earns nothing
Utilities, insurance, rail, rent, education, wallets, government payments and EMIs earn no points.
Other benefits
| Benefit | Detail |
|---|---|
| Free fuel | Fuel points redeem for IndianOil fuel |
| Surcharge waiver | 1% at IndianOil (caps as above) |
| Networks | Mastercard and RuPay |
Eligibility
Issuer
RBL Bank
Variants
IndianOil RBL; IndianOil RBL XTRA
Documents
PAN, Aadhaar, income proof
Who this card is for
- Good fit: regular IndianOil users; XTRA for those spending ₹10,000+ a month on fuel.
- Skip if: you fill up mainly at HP or BPCL.
Alternatives worth comparing
Final verdict
Among the best fuel cards available: the XTRA in particular returns about 8.5% on IndianOil fuel for heavy users. Choose the regular card if you spend under ₹1.75 lakh a year.
Frequently asked questions
How much do I earn on fuel?
About 5% on the regular card and 8.5% on XTRA, including the 1% surcharge waiver, at 1 fuel point = ₹0.50.
What are the monthly caps?
1,000 fuel points a month on the regular card and 2,000 on XTRA.
How are the fees waived?
₹500 regular fee above ₹1.75 lakh annual spend; ₹1,500 XTRA fee above ₹2.75 lakh.
What is the welcome benefit?
1,000 points on the regular card and 3,000 on XTRA.
Which networks are available?
Mastercard and RuPay.
Last verified: October 2026, against RBL Bank’s IndianOil RBL and IndianOil RBL XTRA card pages. Card terms change often; confirm the current fees and reward rules on the issuer’s website before you apply. All fees are plus 18% GST.