Question 1

What is the annual fee on the IndianOil RBL Bank XTRA Credit Card and how do you get it waived?

Accepted Answer

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.

Question 2

What is the reward rate on the IndianOil RBL Bank XTRA Credit Card?

Accepted Answer

You earn 2 points for every ₹100 spent, and 15 points per ₹100 in the accelerated category. At roughly ₹0.5 a point, that is about 1% back on regular spends. On ₹10,000 of monthly spend you collect around 200 points, worth roughly ₹100.

Question 3

Which spends do not earn rewards on the IndianOil RBL Bank XTRA Credit Card?

Accepted Answer

Utility, Insurance, Railways, Real Estate, Rentals, Education earn nothing on this card. A maximum of 2,000 Fuel Points can be earned on IndianOil fuel purchases per month. Between them these cover a large part of a normal month, so work out your reward rate on eligible spend only, not on your total bill.

Question 4

What changed on the IndianOil RBL Bank XTRA Credit Card recently and is it still worth it in 2026?

Accepted Answer

No card specific cut has been announced, though RBL Bank has been trimming rewards across its portfolio. At ₹2.75L of yearly spend the card returns roughly ₹2,750 at its general rate of about 1%, against a ₹1,500 renewal fee. Keep it if you clear the ₹2.75L waiver spend and your spending really sits in the accelerated category. Drop it at renewal if you do not.

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IndianOil RBL Bank XTRA Credit Card

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