IndianOil RBL Bank Credit Card

The catch: 6% only on a terminal RBL recognises

The headline is about 6% back at IndianOil: 10 Fuel Points per ₹100, worth 5% at ₹0.50 a point, plus a 1% fuel surcharge waiver. The catch is that the accelerated points only post when the pump's card machine is one RBL has mapped as IndianOil. Users across RBL's IndianOil cards report third-party Paytm or PhonePe machines, or unmapped terminals, dropping a fill to the base rate.

On ₹8,000 of fuel that is the difference between 800 Fuel Points (₹400) and 80 (₹40). So test your regular pump with one fill and check the statement before you rely on the card.

Still worth a look? For a ₹500 + GST card, yes, if the test passes.

This is the standard ₹500 card. Many Reddit reviews titled "RBL IndianOil" are about the IndianOil RBL Bank XTRA, which costs ₹1,500 and earns more. Any review quoting 7.5%, 8.5% or a ₹2.75 lakh waiver is about the XTRA. This card is also unrelated to the IndianOil HDFC card or the old Citi IndianOil card.

Inside the ₹10,000 fuel cap

• IndianOil fuel: 10 Fuel Points per ₹100, capped at 1,000 points a month. You reach that at ₹10,000 of fuel.
• Everything else: 1 Fuel Point per ₹100, which is 0.5%.
• Welcome: 1,000 Fuel Points (₹500) once the fee is paid and you make a purchase above ₹500 within 30 days.

A ₹8,000 month at IndianOil earns ₹400 in points plus up to ₹80 of waiver, about ₹5,760 a year against a ₹590 fee with GST. One standard-card user reports the surcharge waiver applies on fills of ₹500 to ₹4,000, but that smaller fills still earned points. RBL's "100 litres of free petrol a year" line assumes ₹20,000 of monthly spend; treat it as the best case of the table above, not an extra.

The ₹1.75 lakh waiver is out of reach for most

RBL waives the annual fee on ₹1.75 lakh of spend a year, about ₹14,580 a month. A fuel-only user will not get there, and pushing other spends through a 0.5% card to chase it rarely pays. Budget ₹590 a year.

Redeeming at the bunk

Users describe redemption as the second pain point after terminal mapping. Some attendants do not know the OTP process, and some XTRA holders describe moving points from the RBL app to the IOCL app instead. Keep the receipt and check the deduction on your next statement.

The bottom line on IndianOil RBL

Get it if you spend ₹2,000 to ₹10,000 a month at an IndianOil pump that posts correctly, and put your other spends on a different card. It is one of the cheapest ways to take about 6% off a fuel bill.

Move up to the XTRA if your IndianOil spend is regularly above about ₹4,000 a month; the extra 2.5% covers its higher fee from there. Pick something else if you refuel at BPCL or HPCL. More options: fuel credit cards in India.

Credit Card Information Compiled by: Abhijeet Kumar | Reviewed by: Anmol Ratan Sachdeva