Credit Cards · Honest Review
IndianOil RBL Bank XTRA Credit Card
RBL Bank · Visa
Your Verdict
- ✓15 fuel points per ₹100 spent at IndianOil petrol stations (max 2,000 points/month)
- ✓2 fuel points per ₹100 on all other purchases
- ✓1% fuel surcharge waiver up to ₹200/month
- ✓Up to 250 litres of free petrol annually at ₹45K monthly spend
- ✓Annual fee waived on ₹2.75L annual spend
What IndianOil RBL Bank XTRA Credit Card costs you
IndianOil RBL Bank XTRA Credit Card carries a ₹1,500 annual fee and a ₹1,500 one-time joining fee. The annual fee is waivable: Spend ₹2.75L/year.
| Fee | Amount |
|---|---|
| Annual fee (year 2+) | ₹1,500 |
| Joining fee (one-time) | ₹1,500 |
| Fee waiver condition | Spend ₹2.75L/year |
| Spend required for waiver | ₹2,75,000 / year |
| Foreign transaction fee (forex markup) | Not disclosed / standard rates apply |
What you earn on every rupee spent
IndianOil RBL Bank XTRA Credit Card earns 2.00% on all eligible spends as a base reward rate, with accelerated rates on fuel and other bonus categories listed below.
| Category | Reward rate |
|---|---|
| All other spends (base rate) | 2.00% |
| ⛽ Fuel | 15% (cap ₹2,000/mo) |
1,500 fuel points on card activation
Reward types: Points
Beyond the reward rate
The non-reward benefits on IndianOil RBL Bank XTRA Credit Card are meaningful for frequent users. Here is what you get with the card.
Who can apply for IndianOil RBL Bank XTRA Credit Card
IndianOil RBL Bank XTRA Credit Card requires a minimum net monthly income of ₹25,000 for salaried applicants and a CIBIL score of 720 or above. It is open to salaried and self-employed applicants.
| Requirement | Detail |
|---|---|
| Minimum monthly income | ₹25,000 |
| CIBIL score | 720+ (good to excellent) |
| Age range | 21–60 years |
| Employment type | Salaried & self-employed |
| Typical approval time | 7–10 working days |
Who should (and shouldn't) get IndianOil RBL Bank XTRA Credit Card
- → Heavy spenders on fuel who want 15% back
- → Moderate spenders who can clear the fee waiver condition
- → Frequent flyers who need airport lounge access
IndianOil RBL Bank XTRA Credit Card — Questions answered
What is the annual fee for IndianOil RBL Bank XTRA Credit Card?
What is the minimum income required for IndianOil RBL Bank XTRA Credit Card?
What is the reward rate on IndianOil RBL Bank XTRA Credit Card for fuel?
Does IndianOil RBL Bank XTRA Credit Card provide airport lounge access?
How do I get the annual fee waived on IndianOil RBL Bank XTRA Credit Card?
How long does it take to get IndianOil RBL Bank XTRA Credit Card approved?
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Get My Personalised Verdict →Information on this page is gathered from public sources and the card issuer's official website. Fees and reward rates may change — verify the current terms on the issuer's website before applying. SingleVerdict may earn a referral fee if you apply through our links, which does not affect our scoring or editorial decisions.