Card Details
IndianOil RBL Bank XTRA Credit Card
Monzy Score
6.5/ 10
Good for high fuel spenders.
Strong ~8% back in its core category.
Card Issuer
RBL Bank
Joining Fee
₹1,500
Annual Fee
₹1,500
Reward Type
Reward Points
Card Access
Standard
Earn Points
15 pts/₹100
Fuel Points at IndianOil fuel stations (max 2,000 FP/month)
2 pts/₹100
on other eligible purchases
Benefits
Up to 7.5% valueback at IndianOil outlets
- High IndianOil fuel savings
- Earn 15 FP/₹100 on IOCL fuel spends, capped at 2,000 FP/month
- 1% fuel surcharge waiver up to ₹200 per billing cycle
- Utilities, insurance, government services, railways, rentals, wallets, fees, GST, EMI conversions and small-ticket offline UPI spends don’t earn Fuel Points
Annual fee waived at ₹2.75 lakh yearly spend
- Fee becomes avoidable with high fuel usage
- ₹1,500 + GST joining and renewal fee
- Waiver on ₹2.75 lakh annual spends
- Renewal fee must be paid before waiver applies
Reward Calculator
NOTE: Enter your monthly spends to see
projected returns.
Excluded: rent, wallet, government
Estimated Returns
IndianOil fuel stations
15 Fuel Points per Rs 100 at IndianOil (~7.5% at Rs 0.50/point), capped 2,000 fuel points/month (Rs 1,000 value). With 1% surcharge waiver = up to 8.5% back.
₹1,000
All other spends
2 Fuel Points per Rs 100 (~1%) on non-IOCL spends.
₹167
Total Annual Return
₹14,000
3.89% Effective ROIWhat Users Are Saying
Community Feed
Jul 2025
“IndianOil RBL Bank Extra Credit Card – In-depth Review”
by r/CreditCardsIndia, Jul 2025
“The RBL Xtra Indian Oil Credit Card is an absolute SCAM.”
by r/CreditCardsIndia, May 2026
“IndianOIL RBL Credit Card - My experience so far!”
by r/CreditCardsIndia, Jul 2025
“RBL Indian Oil Xtra Credit Card”
by r/CreditCardsIndia, Feb 2026
“Issue with reward credit | RBL Indian oil Xtra”
by r/CreditCardsIndia, Jul 2025
Frequently Asked Questions
The IndianOil RBL Bank XTRA Credit Card charges ₹1,500 plus GST as a joining fee and the same ₹1,500 again at renewal. RBL Bank waives the renewal fee if you spend ₹2.75L in the previous year, which is about ₹22,917 a month. If your card spend sits below that, treat ₹1,500 as a real yearly cost that your rewards have to clear first.
Things to Keep in Mind
The 7.5% valueback is a combination of 6.5% in fuel points and a 1% fuel surcharge waiver.
Rewards exclusions apply to categories such as utilities, insurance, government services, railways, real estate or rental, education, wallets and service providers, cash withdrawals, contracted services, quasi-cash, fees/charges/GST, Bills2Pay, and EMI conversions
Fuel points on IOCL fuel spends capped at 2,000 points per month
Quarterly milestone bonus of 1,000 Fuel Points is awarded on spending INR 75,000 in a quarter.
