RBL

IndianOil RBL Bank XTRA Credit Card

Good for IndianOil purchases.

Should you get this?

Conditional fit

Confirm terms with the issuer

Why this card

  • Up to 15 Fuel Points / ₹100 on IndianOil
  • You spend on indianOil.
Issuer evidence · 3 sources →

Trade-off

The annual fee (₹1,500) is waived only when eligible annual spend reaches ₹2,75,000.

Annual fee ₹1,500 per year
Rewards 2 Fuel Points / ₹100
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 above
ScopeRateEligibilityLimit
General spend2 Fuel Points / ₹100Credited as reward points—
IndianOil (domestic)15 Fuel Points / ₹100Credited as reward points2,000 Fuel Points per month; at 15 Fuel Points / ₹100, this lane reaches the cap at ~₹13,000 of eligible spend

Redemption value

What a Fuel Point is worth

  1. Fuel₹0.5 / pt

When does this card pay for itself?

Rewards break-even estimate
₹1.5L

Conservative yearly spend needed at the ₹0.50-per-point ranking floor.

Reward reality — the earning-rate detail behind the numbers above

Reward reality

Conclusion · what you actually get

Eligible spend

2 Fuel Points per ₹100 on eligible spend

Verified value

₹0.5 per point

Fuel

Caps

  • IndianOil (domestic)2,000 Fuel Points per month
    Why?

    at 15 Fuel Points / ₹100, this lane reaches the cap at ~₹13,000 of eligible spend

View full earning rules →

Realisation

Credited as reward points

Costs & fees

Spending requirements

Spend gates · caps · milestone thresholds
RequirementAmountPeriodUnlocks
Annual fee waiver₹2,75,000yearAnnual fee waiver

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: Based on the standard earn rate (2 Fuel Points / ₹100). Up to ~1,000 Fuel Points/month if the entire spend qualifies. Excluded transactions and category rules earn less. Partner bonuses aren't included.
  • Worth ~₹500 at the conservative redemption floor
  • 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 facts
Benefits

Lounge Access

Domestic (cardholder)
No complimentary lounge access
International (cardholder)
No international lounge entitlement documented by the issuer Absence of an international claim on the product page is not proof of exclusion. Visa or programme terms may still apply.

Issuer documented · corroborating sources · verify issuer terms before applying

Where to verify

Rewards

Base earn
2 Fuel Points per ₹100 value depends on redemption
Effective return (honest floor)
~1% base (conservative redemption) Conservative redemption floor; best documented path is not ranked on.
Headline point value
₹0.50 per Fuel Point Issuer headline channel — full channel grid in Redemption value.
Fees & charges

Fees

Monthly interest rate
3.99% / month
First-year cost
₹1,500 · verified 4 Sept 2026
Annual fee
₹1,500
Fee waiver spend
₹2,75,000 or more · verified 4 Sept 2026 Annual fee waived on eligible anniversary-year spend of ₹2,75,000 or more.

International Use

Forex markup
3.5%

Issuer documented · corroborating sources · verify issuer terms before applying

Where to verify
Product tier
Mid-tier

Travel & perks

Fuel Benefits

At the pump

No verified fuel benefit available.

Fine print & compare

Compare with similar cards

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RBL Bank IndianOil RBL Bank XTRA
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SBI Card Prime

The fine print

Caps · exclusions · earning · redemption · last refresh

Caps & limits

  • IndianOil cap: 2,000 Fuel Points per month; at 15 Fuel Points / ₹100, this lane reaches the cap at ~₹13,000 of eligible spend.

Exclusions

These spends do not earn reward points.

Financial

  • Fuel

Latest update

  • First-year cost: ₹1,500.
  • Annual fee: ₹1,500.
  • Forex markup currently listed at 3.5%.
  • No complimentary lounge access.

Common questions

From verified card facts

Is 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 on eligible annual spend of ₹2,75,000 or more. Verify eligible spend exclusions before counting on it.

When do welcome benefits arrive?

Legacy data contains a possible welcome-benefit signal, but the benefit item, qualification, and fulfilment are not verified. Check the issuer welcome email, MITC, and current offer page before relying on it.

Learn

Learn more

Guides matched to this card — not a random syllabus.

All guides →
Last refreshed 10 Sept 2026 moneymatters.cards Change look saved in this browser only
Important

Data compiled from issuer and public information. Details may change — verify with issuer. Reference data, not financial advice.

Money Matters is an independent comparison and information service. It is not affiliated with, sponsored by, or endorsed by any bank or card issuer. Card and issuer names are trademarks of their respective owners and are used here only to identify the products being compared.