Base earn
1% base cashback
RBL MASTERCARD
IndianOil RBL Bank XTRA
Should you get this?
Conditional fit
Why this card
- Up to 15 Fuel Points / ₹100 on IndianOil
- You can comfortably spend ₹2,75,000 a year on the card.
- You spend on indianOil.
Trade-off
The annual fee (₹1,500) is waived only after ₹2,75,000 of eligible annual spend.
Annual fee ₹1,500 per year
Base cashback 1%
Lounge access 0 no lounge
Forex markup 3.5% high
Compare with Axis Bank Privilege →
Closest alternative from the same pricing or usage lane.
Rewards
Earning rules
Detail · from the summary aboveScopeRateEligibilityLimit
General spend1%——
IndianOil (domestic)15 Fuel Points / ₹100—2,000 Fuel Points per month; at 15 Fuel Points / ₹100, this lane reaches the cap at ₹13,333 of eligible spend
Annual fee break-even math
When does this card pay for itself ₹1.5L
Conservative yearly spend needed at base cashback rates.
Reward reality — the earning-rate detail behind the numbers above
Reward reality
Conclusion · what you actually getCaps
- IndianOil (domestic)2,000 Fuel Points per month
Why?
at 15 Fuel Points / ₹100, this lane reaches the cap at ₹13,333 of eligible spend
Costs & fees
Spending requirements
Spend gates · caps · milestone thresholdsRequirementAmountPeriodUnlocksRealismStrength
Annual fee waiver₹2,75,000yearAnnual fee waiverhighstrong
Watch outs
Before choosing this card- Forex markup is 3.5%, so frequent international spends may be costly.
Estimated usage
Example usage at this monthly spend
₹
- At this monthly spend, you'd earn: ~₹500/month back (base earn · uses base/general earn rate; partner and category bonuses not included)
- ~₹6,000/year back · net +₹4,500 after ₹1,500 fee
- Fee waiver achievable at this spend
- Forex cost ~₹1,750 per ₹50k international spend
Illustrative only, using current base rates and snapshot data.
Benefits & charges
Side-by-side factsBenefits
Lounge Access
- Domestic (cardholder)
- No complimentary lounge access
2 sources agree · verify issuer terms before applying
Where to verify
- Issuer site (verified manually) , opens external site
- Operator-verified anchor
- International (cardholder)
- Not included
2 sources agree · verify issuer terms before applying
Where to verify
- Issuer site (verified manually) , opens external site
- Operator-verified anchor
Rewards
- Base cashback
- 1% base cashback
- Reward type
- Cashback
Fees & charges
Fees
- Monthly interest rate
- 3.99% / month
- Annual fee
- ₹1,500
- Joining fee
- ₹1,500
- Fee waiver spend
- ₹2,75,000 Above catalog median waiver (₹2,00,000 vs ₹2,75,000).
International Use
- Forex markup
- 3.5%
2 sources agree · verify issuer terms before applying
Where to verify
- CardInsider
- Operator-verified anchor
- Issuer site (verify current terms) , opens external site
- Product tier
- Mid-tier
Travel & perks
Fuel Benefits
At the pumpNo verified fuel benefit available.
Fine print & compare
Compare with similar cards
Similar tier · similar benefitsThe fine print
Caps · exclusions · earning · redemption · last refreshCaps & limits
- Monthly cap:2,000 cashback per month; at 15 cashback / ₹100, this lane reaches the cap at ₹13,333 of eligible spend.
Latest update
- Annual fee: ₹1,500.
- Forex markup currently listed at 3.5%.
- No complimentary lounge access.
Common questions
From verified card factsIs this good for lounge access?
No lounge access.
Is this good for international spends?
Forex markup is 3.5%, so frequent international spends may be costly.
Is the annual fee easy to recover?
Fee waiver applies at ₹2,75,000 annual spend. Verify eligible spend exclusions before counting on it.
When do welcome benefits arrive?
A welcome benefit worth ₹1,500 is listed, but timing may depend on joining fee payment, card activation, first eligible transaction, or issuer processing.
Learn more
Guides matched to this card — not a random syllabus.
- Cashback vs points
When simple cash beats flashy miles - Billing cycle
Statement date vs due date, clearly - How interest works
The real cost of paying the minimum