RBL

Indian Oil RBL Bank XTRA Credit Card

Apply for IndianOil RBL Bank XTRA Credit Card. Earn 15 fuel points/₹100 at IndianOil (7.5% value back), 2X on all spends & 1% surcharge waiver. Best for IndianOil users.

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Issued by

RBL

Indian Oil RBL Bank XTRA Credit Card image
Joining Fee₹1500
Annual Fee₹1500
Income₹15000
Credit Score720

Key Highlights

Fuel

Earn 15 Fuel Points per ₹100 on IndianOil Fuel Stations

spends, capped at 2,000 fuel points per month

Shopping

2 Fuel Points per ₹100 on Other Spends

on all non-fuel purchases such as shopping and everyday spends

Earn 2 Fuel Points

per ₹100 on dining spends

Up to 7.5% Valueback on Fuel Purchases

through accelerated fuel points earnings and fuel surcharge waiver benefits

Fuel

Quarterly Fuel Bonus of 1000 Additional Fuel Points

on spend milestone on crossing quarterly spends of ₹75,000

Quarterly Fuel Bonus of 1000 Additional Fuel Points

on spend milestone on crossing quarterly spends of ₹75,000

Fuel

Up to 7.5% Valueback on Fuel Purchases

through accelerated fuel points earnings and fuel surcharge waiver benefits

Eligibility

Age Criteria21-70

Applicants must be between 21 and 70 years at the time of application.

Credit Score720

A CRIF score of 720 or above is required as per the bank’s eligibility criteria.

Salaried Income₹3 LPA

Minimum Annual Income of ₹3 LPA is required to apply for the SBI Cashback Credit Card, as per bank eligibility.

Self-employed Income₹3 LPA

Minimum Annual Income of ₹3 LPA is required to apply for the SBI Cashback Credit Card, as per bank eligibility.

Employment TypeSelf Employed, Salaried
New to CreditNot eligible

Fees & Waivers

Joining Fee₹1500

A one-time joining fee is charged at the time of card issuance as per the bank’s policy.

Joining Fee OffsetPay ₹1,500 joining fee → get ₹1,500 back as Fuel Points (on ₹500 spend in 30 days).
Annual Fee₹1500

The annual fee is charged every year and may be waived if you meet the bank’s spending conditions.

Annual Fee WaiverThe annual fee is waived if you spend ₹2.75 lakh or more in a year on your card, as per bank policy.
Estimated Annual Saving₹20232

Rewards & Redemption

Reward Conversion1 Fuel Point = ₹0.5
Redemption Options
  • Fuel Station via IndianOil
  • Shopping
  • Vouchers 
Earning ExclusionsAll Reversals, Cancelled Transactions, Cash Advances, ATM Cash Withdrawals, Quasi-Cash Transactions, Money Transfers, P2P Transfers, Wallet Loads, Load Money, Gift Cards and Vouchers, Voucher Purchases, EMI Spends, Bank Charges & Fees, Late Payment Fees, Processing Fees, Financial Charges, Interest Charges, Payment Returned Charges, Service/Interest Charges, Transaction Charges, Education Spends, Fuel Surcharge, Toll Payments, Gambling Transactions, Lottery, Online Skill-Based Gaming, Government-related Transactions, Utility Bill Payments, Telecom, Taxes, Insurance Payments, Jewellery Purchases, Forex Transactions, Cryptocurrency/Digital Asset Transactions, Rent Payment, Railways, Transportation, Business Services, Contracted Services, Collection Agencies, Security Broker Services, Charity, Donations, Donations to Religious Organizations, Donations to Political Organizations, Antique Items, Liquid Assets, Outstanding Payments, Smartpay, Smartbuy Portal
Spend ExclusionsAll Reversals, Cancelled Transactions, Cash Advances, ATM Cash Withdrawals, Quasi-Cash Transactions, Money Transfers, P2P Transfers, Wallet Loads, Load Money, Gift Cards and Vouchers, Voucher Purchases, EMI Spends, Bank Charges & Fees, Late Payment Fees, Processing Fees, Financial Charges, Interest Charges, Payment Returned Charges, Service/Interest Charges, Transaction Charges, Education Spends, Fuel Surcharge, Toll Payments, Gambling Transactions, Lottery, Online Skill-Based Gaming, Government-related Transactions, Utility Bill Payments, Telecom, Taxes, Insurance Payments, Jewellery Purchases, Forex Transactions, Cryptocurrency/Digital Asset Transactions, Rent Payment, Railways, Transportation, Business Services, Contracted Services, Collection Agencies, Security Broker Services, Charity, Donations, Donations to Religious Organizations, Donations to Political Organizations, Antique Items, Liquid Assets, Outstanding Payments, Smartpay, Smartbuy Portal

Benefits

All Benefits

  • Earn 15 Fuel Points for every ₹100 spent at IndianOil fuel stations, capped at ₹2,000 Fuel Points per month
  • Earn 2 Fuel Points per ₹100 spent on all other card purchases
  • Redeem Fuel Points at IndianOil outlets
  • Enjoy a 1% fuel surcharge waiver up to ₹200 per month
  • Get 3,000 Fuel Points on making your first card transaction of ₹500 or more within 30 days of card issuance

Welcome Benefits

  • Get 3,000 Fuel Points on making your first card transaction of ₹500 or more within 30 days of card issuance

Dining Benefits

  • Earn 2 fuel points per ₹100 spent on dining

Fuel Benefits

  • Earn 15 Fuel Points for every ₹100 spent at IndianOil fuel stations, capped at ₹2,000 Fuel Points per month
  • Earn 2 Fuel Points for every ₹100 spent on all other card purchases

Fuel Surcharge Waiver Benefits

  • Enjoy a 1% fuel surcharge waiver on fuel transactions, capped at ₹200 per month

Bank Offer

  • Get Annual Fee waived on spending ₹2.75 Lakh or more in a year, making the card effectively free for high spenders

Milestone Benefits

Minimum Spend₹75000
Within90 days
Reward Points Bonus1000

Documents

PAN Card
Aadhaar Card or valid address proof
Latest salary slips or income proof
Recent bank statements

Terms

The bank may offer a different card variant based on your eligibility. Please carefully read the features of the card offered before submitting your application
A minimum transaction of Rs.100 within 30 days is required to activate the card, otherwise, you won’t be eligible for the Rewards

FAQ

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