← Part of RBL Credit Cards in India
The IndianOil RBL Bank XTRA Credit Card, launched in partnership with IndianOil Corporation Ltd., offers up to 8.5% value-back on fuel spends, making IT a leading fuel credit card in India as of 2026. Cardholders can potentially receive up to 250 litres of free petrol annually by spending ₹45,000 monthly, alongside a 1% fuel surcharge waiver up to ₹200 each month.
| Parameter | Details |
|---|---|
| Card Name | IndianOil RBL Bank XTRA Credit Card |
| Issuing Bank | RBL Bank |
| Co-brand Partner | IndianOil Corporation Ltd. (IOCL) |
| Card Type | Co-branded fuel credit card |
| Card Network | MasterCard, RuPay (RuPay variant includes NCMC functionality) |
| Primary Benefit | Fuel savings and rewards on fuel and non-fuel spends |
| Maximum Fuel Savings | Up to 8.5% value-back on fuel spends |
| Annual Free Fuel Potential | Up to 250 litres (on monthly spends of ₹45,000) |
| Fuel Surcharge Waiver | 1% (up to ₹200 per month) |
| Reward Points on IOCL Fuel | 15 Fuel Points per ₹100 spent (7.5% value-back) |
| Reward Points on Groceries & Utilities | 2 IndianOil XTRAREWARDS points per ₹100 spent |
| Reward Points on Other Spends | 2 Fuel Points for every ₹100 spent (non-fuel at IndianOil stations) |
| Redemption Value (IOCL) | 1 Fuel Point = ₹0.5 (when redeemed for XTRA Rewards at IndianOil stations) |
| Redemption Value (RBL Portal) | 1 Fuel Point = ₹0.1 (on redemption at RBL Bank rewards portal, except XTRA Reward conversion) |
| XTRAREWARDS Point Value | 1 XTRAREWARDS Point = ₹0.30 |
| Fuel Point Validity | 2 years from the date of earning |
| Annual Membership Fee (2026) | ₹1,500 + GST (first year) |
| Annual Fee Waiver Criteria | Spend ₹50,000 in the first 3 months OR Spend ₹2,75,000 annually |
| Eligibility Age | 21 to 70 years (as per RBL Bank policy, 2026) |
| Target User | Salaried and self-employed individuals seeking fuel cost reduction and daily savings |
| Welcome Benefit | Fuel Points worth ₹1,500 (applicable after annual membership fee payment) |
| Offline UPI Transaction Exclusion | Offline UPI transactions under ₹2,000 at small merchants (turnover not more than ₹20 lakh in previous FY) on RuPay Credit Card are not eligible for rewards or benefits. |
This card stands out for its high redemption value on fuel points at IndianOil outlets, offering double the value compared to some competitor cards from SBI and IDFC FIRST Bank.
IndianOil RBL Bank XTRA Credit Card in India: Types, Categories & Key Components Explained
The IndianOil RBL Bank XTRA Credit Card, a co-branded offering, provides up to 8.5% fuel savings, translating to 250 litres of free petrol annually on monthly spends of ₹45,000 (as of 2026). This card is available on both MasterCard and RuPay networks, with the RuPay variant featuring National Common Mobility Card (NCMC) functionality.
| Type/Category | Details | Key Feature |
|---|---|---|
| Co-branded Credit Card | IndianOil RBL Bank XTRA Credit Card | Designed for regular fuel buyers, offering rewards on both fuel and non-fuel spends. |
| Fuel Savings | Up to 8.5% value-back on fuel spends at IndianOil outlets | Can amount to up to 250 litres of free fuel annually on monthly spends of INR 45,000. |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver | Up to INR 200 each month. |
| Reward Points Earning (Fuel) | 15 Fuel Points on every Rs. 100 spent at IndianOil outlets | 7.5% Valueback as Fuel Points. |
| Reward Points Earning (Groceries & Utilities) | 2 IndianOil XTRAREWARDS points per ₹100 spent | Accelerated points on everyday purchases. |
| Reward Points Earning (Other Spends) | 1% value back on non-IOCL expenditure | Rewards on non-fuel transactions. |
| Reward Points Redemption (IOCL) | 1 Fuel Point = INR 0.5 when redeemed for XTRA Rewards at IndianOil stations | Direct fuel savings, double the value of SBI and IDFC FIRST Credit Cards. |
| Reward Points Redemption (RBL Portal) | 1 Fuel Point = INR 0.1 on redemption at RBL Bank rewards portal (except XTRA Reward Point conversion) | Alternative redemption option for non-fuel purchases. |
| Reward Points Validity | Fuel points valid for 2 years from the date of earning | Ensures ample time for redemption. |
| Card Network | Available on MasterCard & RuPay networks | RuPay variant offers National Common Mobility Card (NCMC) feature for seamless travel and purchases. |
| Annual Joining Fee (First Year) | ₹1,500 + GST | Waived on ₹50,000 spends in the first 3 months. |
| Annual Membership Fee (Subsequent Years) | ₹1,500 + GST | Waived on annual spends of Rs. 2,75,000. |
| Welcome Benefit | Fuel Points worth the annual membership fee | Applicable only after the annual membership fee is paid. |
| Eligibility Age | Individuals between 21 to 70 years | Standard age criteria for credit card applicants (Source: RBL Bank). |
| Maximum Monthly Fuel Points (First 6 Months) | 250 fuel points on spends at IndianOil fuel outlets | Higher earning potential for new cardholders. |
| Maximum Monthly Fuel Points (Post 6 Months) | 150 fuel points on spends at IndianOil fuel outlets | Sustained rewards for regular users. |
| Maximum Monthly Fuel Points (Groceries/Bill Payments) | 100 fuel points each on grocery spends and bill payments | Capped rewards on specific non-fuel categories. |
| Offline UPI Transaction Exclusion | Offline UPI transactions under INR 2,000 at small merchants (turnover not more than INR 20 lakh in previous FY) on RuPay Credit Card | Not eligible for rewards points, vouchers, or milestone benefits. |
The IndianOil RBL Bank XTRA Credit Card prioritizes fuel savings, offering a high reward rate on IndianOil purchases and a substantial annual free fuel potential, making IT a strong contender for frequent commuters.
IndianOil RBL Bank XTRA Credit Card in India: Key Statistics & Data Points for 2026
The IndianOil RBL Bank XTRA Credit Card offers up to 8.5% fuel savings, with cardholders potentially receiving up to 250 litres of free petrol annually. This card provides 15 Fuel Points for every ₹100 spent at IndianOil outlets, translating to a 7.5% value-back.
| Metric | Value | Source |
|---|---|---|
| Maximum Fuel Savings | Up to 8.5% value-back on fuel spends | RBL Bank Official Website |
| Free Fuel Annually Potential | Up to 250 litres (on monthly spends of ₹45,000) | RBL Bank Official Website |
| Fuel Surcharge Waiver | 1% (up to ₹200 each month) | RBL Bank Official Website |
| Annual Membership Fee (First Year) | ₹1,500 + GST | RBL Bank Official Website |
| Annual Fee Waiver Criteria | Spend ₹2,75,000 annually OR ₹50,000 in first 3 months | RBL Bank Official Website |
| Fuel Points Earn Rate (IOCL) | 15 Fuel Points per ₹100 spent (7.5% value-back) | RBL Bank Official Website |
| Fuel Points Redemption Value (IOCL) | 1 Fuel Point = ₹0.5 (for XTRA Rewards at IndianOil stations) | RBL Bank Official Website |
| Card Network Availability | MasterCard & RuPay (NCMC feature on RuPay) | RBL Bank Official Website |
| Reward Points on Groceries & Utilities | 4 IndianOil XTRAREWARDSTM points per ₹100 (2x accelerated) | RBL Bank Official Website |
| Eligibility Age Range | 21 to 70 years | Bank’s internal policy |
| XTRAREWARDS Point Redemption Value | 1 XTRAREWARDS Point = ₹0.30 | RBL Bank Official Website |
| Fuel Point Validity | 2 years from date of earning | RBL Bank Official Website |
| Comparison to BPCL SBI Card Octane | Surpasses IT as most rewarding fuel card (BPCL SBI Octane up to 7.25% value-back) | Paisabazaar (as of 2026) |
| Maximum Monthly Fuel Points (First 6 Months) | 250 fuel points on spends at IndianOil fuel outlets | RBL Bank Official Website |
| Maximum Monthly Fuel Points (Post 6 Months) | 150 fuel points on spends at IndianOil fuel outlets | RBL Bank Official Website |
| Minimum Fuel Transaction for Surcharge Waiver | ₹400 | RBL Bank Official Website |
| Fuel Surcharge Waiver CAP per Cycle | ₹250 | RBL Bank Official Website |
The IndianOil RBL Bank XTRA Credit Card is positioned as a top fuel credit card in India for 2026, offering significant value-back and free fuel potential for frequent IndianOil customers.
How IndianOil RBL Bank XTRA Credit Card in India Works: Process, Steps & Key Details
The IndianOil RBL Bank XTRA Credit Card is designed for individuals aged 21 to 70 years, offering up to 8.5% fuel savings. This co-branded card with IndianOil Corporation LTD. Provides a straightforward application and redemption process for its fuel benefits.
Here are the key details on how the IndianOil RBL Bank XTRA Credit Card works in India:
- Eligibility Criteria: Applicants must be Indian citizens between 21 and 70 years old (as of 2026). Both salaried and self-employed individuals can apply for this card.
- Application Process: Prospective cardholders can apply online via the RBL Bank website or visit an RBL Bank branch. The process typically involves submitting an application form and required KYC documents.
- Welcome Benefit: Upon paying the first year’s annual membership fee of ₹1,500 + GST, cardholders receive Fuel Points worth ₹1,500. This benefit is credited after the fee payment.
- Fuel Point Earning: Cardholders earn 15 Fuel Points for every ₹100 spent at IndianOil fuel pumps. For groceries and utility bill payments, 2 IndianOil XTRAREWARDSTM points are earned per ₹100 spent.
- Fuel Surcharge Waiver: A 1% fuel surcharge waiver is applicable on transactions between ₹400 and ₹4,000, capped at ₹200 per month. This helps reduce overall fuel expenses.
- Annual Fee Waiver: The annual fee of ₹1,500 + GST is waived if the cardholder spends ₹2,75,000 annually. For the first year, spending ₹50,000 within the first three months waives the joining fee.
- Fuel Point Redemption: Each Fuel Point holds a value of ₹0.5 when redeemed for XTRA Rewards at participating IndianOil outlets. This redemption value is double that offered by some competitor cards (Source: Paisabazaar, 2026).
- Instant Redemption: Fuel Points can be redeemed instantly at IndianOil POS machines by selecting ‘Instant Redeem’ and ‘XTRAREWARDS’, then entering the registered mobile number and desired amount.
- NCMC Functionality: The RuPay variant of the IndianOil RBL Bank XTRA Credit Card includes National Common Mobility Card (NCMC) functionality, enabling seamless payments across various transport modes.
- Point Validity: Earned Fuel Points remain valid for two years from the date of accumulation. Cardholders should redeem points within this period to maximize benefits.
This card focuses on maximizing fuel savings and offers a clear reward structure for frequent IndianOil customers.
IndianOil RBL Bank XTRA Credit Card in India: Benefits, Advantages & Why Students Choose IT
The IndianOil RBL Bank XTRA Credit Card offers up to 8.5% fuel savings, making IT a top choice for frequent fuel users in India as of 2026. This co-branded card provides benefits equivalent to 250 litres of free petrol annually, based on monthly spends of ₹45,000.
Cardholders benefit from a strong reward structure and specific features designed for fuel cost reduction:
- High Value-back on Fuel: The card provides 7.5% value-back as 15 Fuel Points on every ₹100 spent at IndianOil outlets. This is a significant saving for regular commuters.
- Fuel Surcharge Waiver: Users receive a 1% fuel surcharge waiver, capped at ₹200 per month, on fuel transactions between ₹400 and ₹4,000. This further reduces overall fuel expenses.
- Accelerated Rewards on Daily Spends: Cardholders earn 2 IndianOil XTRAREWARDSTM points per ₹100 spent on groceries and utilities. This extends savings beyond just fuel purchases.
- Superior Redemption Value: Each Fuel Point is valued at ₹0.5 when redeemed for XTRA Rewards at IndianOil stations, which is double the redemption value offered by some competitor cards.
- Annual Free Fuel Potential: The card offers up to 250 litres of free petrol annually through accumulated fuel points, significantly higher than the 100 litres offered by the regular IndianOil RBL Bank Credit Card.
- NCMC Functionality: The RuPay variant of the card includes National Common Mobility Card (NCMC) functionality. This allows for seamless payments across various public transport modes and retail purchases.
- Annual Fee Waiver: The annual fee of ₹1,500 + GST can be waived by spending ₹2,75,000 annually. This makes the card cost-effective for high spenders.
These benefits position the IndianOil RBL Bank XTRA Credit Card as a strong option for individuals seeking to maximize savings on fuel and everyday expenses.
IndianOil RBL Bank XTRA Credit Card in India: Vs Alternatives: Which Option is Best?
The IndianOil RBL Bank XTRA Credit Card offers up to 8.5% fuel savings, making IT a top choice for fuel-focused rewards in India as of 2026. This card provides up to 250 litres of free petrol annually, significantly more than the 100 litres offered by the regular IndianOil RBL Bank Credit Card.
Comparing its features against other fuel credit cards helps in selecting the most suitable option for your spending habits.
| Feature | IndianOil RBL Bank XTRA Credit Card | BPCL SBI Card Octane | IndianOil RBL Bank Credit Card (Regular) |
|---|---|---|---|
| Maximum Fuel Savings | Up to 8.5% (7.5% Fuel Points + 1% Surcharge Waiver) | Up to 7.25% | Up to 6% |
| Free Fuel Annually | Up to 250 litres (on monthly spends of INR 45,000) | Not specified | Up to 100 litres |
| Annual Fee (2026) | ₹1,500 + GST (waived on ₹2,75,000 annual spend or ₹50,000 spends in first 3 months) | Not specified | ₹500 + GST |
| Reward Points on IOCL Fuel | 15 Fuel Points per ₹100 spent | Not specified | 10 Fuel Points per ₹100 spent |
| Redemption Value (Fuel Points) | 1 Fuel Point = ₹0.5 at IOCL Petrol Pump | Lower than XTRA | 1 Fuel Point = ₹0.5 at IOCL Petrol Pump |
| Fuel Surcharge Waiver | 1% (up to ₹200 per month) | Not specified | 1% (up to ₹200 per month) |
| Eligibility Age (2026) | 21 to 70 years | Not specified | 21 to 70 years |
The IndianOil RBL Bank XTRA Credit Card stands out for its high value-back and substantial annual free fuel potential, especially for those with higher monthly fuel expenses.
Common Misconceptions About IndianOil RBL Bank XTRA Credit Card in India
Many users misunderstand the true value and limitations of the IndianOil RBL Bank XTRA Credit Card, often comparing IT incorrectly with other fuel cards. This card focuses primarily on fuel savings, offering up to 8.5% value-back on fuel spends, which can amount to 250 litres of free petrol annually with specific spending patterns.
- Misconception 1: IT offers the highest reward rate across all spending categories. The IndianOil RBL Bank XTRA Credit Card is primarily fuel-oriented, providing 15 Fuel Points per ₹100 spent at IndianOil outlets. While IT offers 2 IndianOil XTRAREWARDSTM points per ₹100 on groceries and utilities, its core strength lies in fuel savings, not broad-category rewards.
- Misconception 2: All fuel points have the same redemption value. While 1 Fuel Point equals ₹0.5 when redeemed for XTRA Rewards at IndianOil stations, its value drops to ₹0.1 when redeemed through the RBL Bank rewards portal for other categories. This difference is for maximizing benefits.
- Misconception 3: The annual fee is unavoidable. The card has an annual membership fee of ₹1,500 + GST. However, this fee is waived if you spend ₹50,000 within the first three months or ₹2,75,000 annually, making IT cost-effective for high spenders.
- Misconception 4: IT provides extensive lifestyle benefits like airport lounge access. The IndianOil RBL Bank XTRA Credit Card is a straightforward fuel card. IT does not typically offer additional privileges such as dining discounts or airport lounge access, unlike some premium credit cards.
- Misconception 5: Fuel surcharge waiver applies to all fuel transactions. The 1% fuel surcharge waiver is capped at ₹200 per month and usually applies to transactions between ₹400 and ₹4,000. Transactions outside this range or exceeding the CAP may incur the surcharge.
Understanding these specific features helps cardholders maximize the benefits of the IndianOil RBL Bank XTRA Credit Card for their fuel and daily spending needs.
What to Do Next: Actionable Steps
Applying for the IndianOil RBL Bank XTRA Credit Card in 2026 requires meeting specific eligibility criteria and understanding the application process. Individuals between 21 and 70 years of age are eligible to apply for this co-branded fuel credit card.
- Verify Eligibility: Confirm you are between 21 and 70 years old, as per RBL Bank’s internal policy for the IndianOil RBL Bank XTRA Credit Card.
- Gather Documents: Prepare necessary KYC documents such as identity proof (Aadhaar, PAN), address proof (utility bills), and income proof (salary slips, bank statements) for the application.
- Compare Features: Review the IndianOil RBL Bank XTRA Credit Card’s benefits, including up to 8.5% fuel savings and 250 litres of free petrol annually, against other fuel cards like the BPCL SBI Card Octane.
- Understand Fees: Note the annual joining fee of ₹1,500 + GST for the IndianOil RBL Bank XTRA Credit Card (2026), which can be waived by spending ₹50,000 in the first three months.
- Check Redemption Process: Familiarize yourself with the fuel point redemption process, where 1 Fuel Point equals ₹0.5 at IndianOil petrol pumps for XTRA Rewards conversion.
- Apply Online or Offline: Visit the official RBL Bank website or an RBL Bank branch to initiate the application for the IndianOil RBL Bank XTRA Credit Card.
By following these steps, you can effectively apply for the IndianOil RBL Bank XTRA Credit Card and maximize its fuel-saving benefits.
Key Takeaways
- The IndianOil RBL Bank XTRA Credit Card offers up to 8.5% fuel savings and up to 250 litres of free petrol annually (2026).
- A CIBIL score above 750 typically helps secure favorable credit card approvals and limits.
- The card has an annual fee of ₹1,500 + GST, waived on spending ₹50,000 within the first three months.
Check your eligibility and apply for the IndianOil RBL Bank XTRA Credit Card on the official RBL Bank website.
Frequently Asked Questions (FAQs)
What are the key benefits of the IndianOil RBL Bank XTRA Credit Card?
The IndianOil RBL Bank XTRA Credit Card offers up to 8.5% value-back on IndianOil fuel spends, translating to up to 250 litres of free fuel annually for monthly spends of ₹45,000. IT also provides a 1% fuel surcharge waiver, capped at ₹200 per month. This card is designed for frequent IndianOil users seeking significant fuel savings.
How does the IndianOil RBL Bank XTRA Credit Card compare to other fuel cards?
The IndianOil RBL Bank XTRA Credit Card offers up to 8.5% value-back on fuel, surpassing cards like the BPCL SBI Card Octane, which offers up to 7.25% value-back. Its Fuel Points redemption value of ₹0.5 per point is double that of some competing SBI and IDFC FIRST Credit Cards. This makes IT a highly rewarding option for fuel expenses.
What is the annual fee for the IndianOil RBL Bank XTRA Credit Card?
The IndianOil RBL Bank XTRA Credit Card has an annual fee of ₹1,500 for the first year. Cardholders receive Fuel Points worth the same value as a welcome benefit, applicable after the annual membership fee is paid. This fee is justified for frequent IndianOil fuel users due to the superior reward structure.
Can I earn rewards on non-fuel transactions with the IndianOil RBL Bank XTRA Credit Card?
Yes, you can use the IndianOil RBL Bank XTRA Credit Card for non-fuel transactions and earn reward points on other categories. These accelerated reward points can be redeemed against future fuel purchases at IndianOil outlets or through the RBL Bank rewards catalogue. This makes IT suitable for everyday spending beyond just fuel.
How do I redeem Fuel Points earned with the IndianOil RBL Bank XTRA Credit Card?
You can redeem Fuel Points instantly at IndianOil outlets by pressing ‘#’ on the POS machine and selecting ‘Instant Redeem’ under ‘XTRAREWARDS’. Then, enter your registered mobile number and the desired redemption amount. Points can also be redeemed via the RBL Bank rewards portal.
What is the fuel surcharge waiver on the IndianOil RBL Bank XTRA Credit Card?
The IndianOil RBL Bank XTRA Credit Card offers a 1% fuel surcharge waiver on transactions at IndianOil outlets. This waiver is capped at ₹200 per month. This benefit helps reduce the overall cost of fuel purchases.
Is the IndianOil RBL Bank XTRA Credit Card available on RuPay network?
Yes, the IndianOil RBL Bank XTRA Credit Card is available on both the MasterCard and RuPay network variants. This offers flexibility for cardholders to choose their preferred payment network. The RuPay option supports domestic transactions and digital payments.
Disclaimer: This article is general information, not financial advice. Interest rates, fees, and eligibility change frequently. Verify current details with the lender or regulator (RBI / SEBI / IRDAI) before deciding.