RBL IndianOil XTRA credit card

RBL IndianOil XTRA

RBL Bank · Visa

RBL IndianOil XTRA is a free lifetime fuel card with accelerated rewards at IndianOil stations.

Annual Fee

Free

Joining Fee

Free

Base Reward Rate

1X

₹1/pt

Min CIBIL

600

₹2L+ income

Key Features

Premium IndianOil XTRA co-branded card with higher earn rates
30 reward points per ₹100 at IndianOil XTRA — highest fuel earn from RBL
15 reward points on grocery, dining and utility payments
3 reward points on all other spends
Zero fuel surcharge at IndianOil XTRA
2 complimentary domestic lounge visits per quarter
Annual fee waived on ₹1.5 lakh spend
Contactless payment enabled

Welcome Benefits

✓

1,000 Bonus Reward Points on First Spend

Earn 1,000 bonus points on first transaction within 60 days of activation

✓

Zero Fuel Surcharge at IndianOil XTRA

No surcharge on fuel at IndianOil XTRA stations across India

Reward Rates by Category

Dining

1X

Travel

1X

Online

1X

Shopping

1X

Grocery

1X

Fuel

6X

Utilities

1X

Other

1X

Partner Earn Rates

PartnerCategoryEarn Rate
IndianOil XTRAFuel15X
Grocery & UtilitiesGrocery8X
DiningDining8X

Milestone Benefits

₹1.5 L

Annual Fee Waiver

Spend ₹1.5 lakhs to waive the ₹1,000 annual fee

Annual

₹3.0 L

5,000 Bonus Reward Points

Earn 5,000 bonus points on crossing ₹3 lakh annual spend

Annual

Airport Lounge Access

Domestic

0 visits/year

International

0 visits/year

Insurance & Protection

Personal Accident Cover

Accidental death cover

₹5 Lakhs

Purchase Protection

Covers purchases 90 days

Up to ₹50,000

Zero Liability

Report promptly

100% fraudulent charges

Pros

  • Zero annual fee — free for life
  • 6X rewards at IndianOil
  • Fuel surcharge waiver
  • Good for daily commuters

Cons

  • No lounge access
  • Rewards tied to IndianOil ecosystem
  • Low base reward rate

Frequently Asked Questions

How is XTRA different from basic IndianOil RBL card?+
XTRA earns 30 vs 20 points per ₹100 at IndianOil, includes lounge access and higher rewards on grocery and dining.
Lounge access?+
2 complimentary domestic lounge visits per quarter.
Annual fee?+
₹1,000. Waived on ₹1.5 lakh annual spend.
Fuel surcharge?+
Zero at IndianOil XTRA stations.
How to redeem?+
Via RBL Bank rewards portal for fuel credit, vouchers or merchandise.

Ready to apply?

Apply on the RBL Bank website. Usually takes 10 minutes.

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RBL IndianOil XTRA

Free · 1X rewards