IndianOil RBL Bank XTRA Credit Card
Keep7.5% on IndianOil petrol and a full 1% on everything else — if you never redeem anywhere but the pump.
a year at ₹40,000 a month, after the fee
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Welcome: 3,000 Fuel Points (₹1,500 of petrol) on one retail transaction above ₹500 within 30 days — credited within 60 days, and only after the membership fee is paid
Priced on the everyday mix — 30% groceries · 10% utilities · 20% travel · 6% fuel · 34% everything else — with this card's published category rules applied: it earns nothing on utilities here, so that spend is dropped, not paid at the headline, and stops pacing milestones and the waiver. Plus milestones, minus the fee. No accelerator credit — the ranking model on /compare adds ~20% of spend at the card's best accelerator, so its ₹ for this card reads higher.
How these numbers are computed — and why the rankings show a bigger one →
Spend tiers, milestones and fee waivers included, at our house ₹/point. Portal and category multipliers can push higher — run your exact number →
Pays for itself at ₹14,000 a month
At ₹14,000 a month — ₹1,68,000 a year — on the everyday mix this card returns ₹1,500 gross (earn ₹1,500) against its ₹1,500 fee = ₹0 net — the first rung at or above ₹0. The ladder runs in ₹1,000 steps to ₹1,00,000 a month and ₹10,000 steps to ₹5,00,000; figures are rounded to the hundred, and the accelerator is never credited.
3 notes on the card itself: how it is issued · the network variants · why it ranks #427
Why #427 The upper half of RBL's fuel pair: twice the base earn, half again the pump rate, and three times the fee. Ranked on the ₹0.50 an IndianOil pump pays for a Fuel Point — the only exit worth taking — with the ₹13,333-a-month accelerator ceiling priced in.
Our #1 for Fuel — 1 of the 23 questions this desk ranks.
A Fuel Point is worth ₹0.50 only at an IndianOil pump, through the XTRA Rewards conversion the T&C prints in full: "1 Fuel Point = INR 0.5 on IOCL Petrol Pump ... 3 Fuel Point = 5 XTRA Reward Point" at ₹0.30 each. The same T&C sets a Fuel Point at ₹0.10 on RBL's own rewards portal — a fifth as much. Every number here assumes the pump.
The take
RBL's fuel range has two rungs, and this is the one that earns like a real card off the forecourt. Two Fuel Points per ₹100 on ordinary spend is 1% at the ₹0.50 pump rate — double the cheaper IndianOil card and respectable for ₹1,500 — and fifteen points per ₹100 at an IndianOil station is 7.5%, one of the highest single-category rates published in India. Add 1,000 Fuel Points every quarter you spend ₹75,000 and a 3,000-point welcome, and the fee waives at ₹2,75,000 a year, or ₹22,900 a month. The ceilings are where it gets sober. The accelerated leg stops at 2,000 Fuel Points a month, which is ₹13,333 of petrol and ₹12,000 of value a year; RBL's "250 litres free" headline is that sum, not a promise. And the currency has one door: a Fuel Point buys ₹0.50 of fuel at an IOCL pump via XTRA Rewards, and ₹0.10 of anything on RBL's own portal. Miss the pump and the 7.5% becomes 1.5%. There is no lounge on this card — RBL's page and T&C never use the word — no transfer partner, and no forex relief: the markup is the standard 3.5% and the bank's 0% carve-out names only the Safari family and Lumière. Buy it if you put ₹10,000 a month or more of petrol through an IndianOil pump and treat the points as a fuel rebate. On those terms it is the strongest fuel card RBL sells.
Your renewal — keep, downgrade or cancel
Here is the fee, the spend that clears it, and everything that has moved under this card since you last decided.
Keep, downgrade or cancel
₹1,500/yr at stake · 5 spend bands
The charge ₹1,500/yr
The waiver ₹2,75,000 of spend in the year before renewal — about ₹22,917 a month — and the renewal fee is not charged.
Break-even ₹14,000 a month — ₹1,68,000 a year — is where this card's value crosses its fee.
At your spend
₹1,200 a year, net of the fee, at ₹3,00,000 of annual spend
₹7,400 a year, net of the fee, at ₹6,00,000 of annual spend — this clears the waiver, so no fee is charged
₹12,800 a year, net of the fee, at ₹12,00,000 of annual spend — this clears the waiver, so no fee is charged
₹34,400 a year, net of the fee, at ₹36,00,000 of annual spend — this clears the waiver, so no fee is charged
₹56,000 a year, net of the fee, at ₹60,00,000 of annual spend — this clears the waiver, so no fee is charged
Everyday earn plus milestones, minus the fee — the same model as the value panel above, so the two cannot disagree. run your exact spend →
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
The downgrade
RBL Bank publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and the numbers above are the whole of it.
What has changed under this card
- 7 Jan 2026 RBL bolts a 1% fee onto FASTag loads and tolls — the fifth 1% line on its charge sheet issuer-wide
- 1 Jul 2025 RBL gates domestic lounges behind ₹35k a quarter issuer-wide
- 15 Oct 2024 RBL strips points from education, government and wallet spends issuer-wide
We price what is in force today — a change that has not happened yet is not in these numbers. the full archive for this card →
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- 15 Fuel Points per ₹100 at IndianOil pumps — 7.5% back at RBL's own ₹0.50 conversion
- 2 Fuel Points per ₹100 everywhere else — a full 1%, twice the cheaper IndianOil card
- 1,000 Fuel Points every calendar quarter you spend ₹75,000
- 3,000 Fuel Points (₹1,500) welcome, on one ₹500 transaction within 30 days
- ₹1,500 fee waived on ₹2,75,000 of eligible annual spend
- 1% fuel-surcharge waiver up to ₹200 a month, on fills between ₹500 and ₹4,000
Watch out
- A Fuel Point is ₹0.50 ONLY at an IndianOil pump — RBL's own portal pays ₹0.10, a fifth as much
- The 15X stops at 2,000 Fuel Points a month, so the accelerated leg is worth at most ₹12,000 a year
- Accelerated points only at IOCL outlets on the TID/MID list IndianOil publishes, not every IndianOil pump
- Utilities, insurance, rent, education, wallets, government, railways, cash, Bills2Pay and EMI earn nothing — and count toward neither the quarterly milestone nor the fee waiver
- No lounge access of any kind — neither the product page nor the card T&C mentions one
- Forex 3.5% + GST; RBL's 0% markup carve-out names only the Safari family and Lumière
- The welcome benefit and the fee waiver both require the membership fee to have been paid first
- The ₹2,75,000 waiver bar is ₹22,900 a month of ELIGIBLE spend — the exclusion list makes that harder than it reads
What these points actually fly
No live transfer route takes IndianOil Fuel Points into a programme that publishes an award chart. These points buy catalogue and portal redemptions, not award seats — so this page has no flight to show you, and will not invent one.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
What earns, what doesn't
11 sourced rules · 7 pay zero
The upper rung of RBL's IndianOil pair. Base earn is 2 Fuel Points per ₹100; fuel at an IndianOil station on an IOCL-listed TID/MID earns 15 per ₹100, capped at 2,000 Fuel Points a month. A Fuel Point is ₹0.50 at an IOCL pump and ₹0.10 on RBL's own rewards portal, so every rate below is quoted at the pump rate. The exclusion list kills the ₹75,000 quarterly milestone and the ₹2,75,000 fee-waiver count as well as the points — but unlike the cheaper IndianOil card, neither the page nor the T&C excludes Fuel & Auto.
- Rent & property management · excluded No Fuel Points — "Real Estate/Rental" (MCC 6513) on the T&C's §3.8 exclusion table
- Wallet loads · excluded No Fuel Points — "Wallets/Service Providers" (MCC 6540) on the T&C's §3.8 exclusion table
- Fuel · accelerated 15 Fuel Points per ₹100 ≈ 7.5% at IndianOil stations on the TID/MID list IOCL publishes, capped at 2,000 Fuel Points a month; past the cap and at any other brand the base 2 per ₹100 applies, since this card's documents carry no Fuel & Auto exclusion. Separately, 1% fuel-surcharge waiver up to ₹200 a month on fills of ₹500–4,000
- Utilities (electricity/water/gas) · excluded No Fuel Points — "Utilities" (MCC 4900) on the T&C's §3.8 exclusion table, and excluded from the quarterly milestone and the fee-waiver count too
Does your spend count toward the fee waiver?
not published — and we say which
₹2,75,000 a year is the bar that waives the ₹1,500 fee. A different question from the one above — earning points and counting toward a threshold are separate rules, and issuers write them separately.
Not published. RBL Bank states what the IndianOil RBL Bank XTRA Credit Card earns and does not earn, but has not published which spend categories count toward the fee waiver — the ₹2,75,000 bar. We won't guess it from the earn table or from a sibling card: Axis published three cards' rules on one day and all three lists differed. If you hold this card and have it in writing from the issuer, send us the document and we'll source it.
Lounge access
0 of 793 tracked doors
No lounge access. This card opens exactly 0 of 793 tracked lounge doors — board with the crowd, or find a card that doesn't →
Can you get it?
the route in — no cutoffs published
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Direct application — no invite list, no banking relationship required.
Open to apply — the product page carries a live application flow, and the card appears in RBL's MITC per-variant fee table at ₹1,500 both years with the ₹2.75 lakh waiver. RBL publishes no income floor, no age band and no eligibility criteria for this card in any of its own documents. Two things worth knowing: the 3,000-point welcome is paid only after the first statement's membership fee is settled by the due date and lands up to 60 days later, and an IndianOil XTRA Rewards Loyalty ID is generated at onboarding — without one the Fuel Points have nowhere to convert.
RBL Bank publishes no income or age cutoffs for this card. Blank means blank — we don't invent numbers to fill a grid.
per the official RBL Bank MITC — figures marked (community) aren't in the PDF; the issuer won't say · filter the board by what you can get →
The fine print
7 of 7 MITC rows published
What the MITC actually says — the rates, fees and cutoffs the brochure skips.
Fee ₹1,500 + GST in both the 1st-year and 2nd-year-onwards columns, waived on eligible annual spends of ₹2.75 lakh, so there is no separate joining charge. Earn is 15 Fuel Points per ₹100 at IndianOil fuel stations (capped 2,000 Fuel Points a month, and only at the TID/MIDs IOCL lists) and 2 Fuel Points per ₹100 elsewhere, plus 1,000 Fuel Points per calendar quarter on ₹75,000 of eligible spend. A Fuel Point is worth ₹0.50 redeemed at an IOCL pump via XTRA Rewards and ₹0.10 on RBL's own rewards portal — the T&C prints both rates. Fuel Points, the quarterly milestone and the fee-waiver count all exclude Utilities, Insurance, Quasi-Cash, Railways, Real Estate/Rental, Education, Wallets, Government Services, Contracted Services, Cash, Miscellaneous, Bills2Pay and EMI conversions; neither the page nor the T&C excludes Fuel & Auto on this card. Fuel-surcharge waiver 1% up to ₹200 a month, on fills of ₹500–4,000, processed on the 23rd. Offline UPI transactions under ₹2,000 at merchants with turnover under ₹20 lakh earn nothing. No lounge benefit is published on this card. RBL publishes no income or age criteria for it, and the Schedule of Charges PDF does not list it at all.
per the official RBL Bank MITC · reviewed 10 Jul 2026
What's changed for this card
4 dated changes
Devaluations and buffs that touch this card directly, its issuer, or the points and programs it earns and transfers to. Every one is dated here; the tracker carries each one's before → after and the write-up.
- 22 Aug 2026RBL relaunches the Shoppers Stop co-brand as a Gold / Platinum / Black trioAn older single Shoppers Stop co-brand line → Three tiers — Gold (₹1,000), Platinum (₹5,000), Black (₹10,000) annual — earning 10 RP/₹200 (Gold, Platinum) or 15 RP/₹200 (Black) across the Shoppers Stop Universe, with points worth ₹0.25 / ₹0.50 / ₹1.00 respectively
RBL rebuilt its Shoppers Stop co-brand into a three-card ladder. The fee rung buys a richer point, not just more of them: a Reward Point is worth ₹0.25 on Gold, ₹0.50 on Platinum and ₹1.00 on Black, so Black's 15 RP per ₹200 at ₹1 a point is a genuine 7.5% back on First Citizen days inside the Shoppers Stop Universe. Welcome vouchers scale the same way (₹500 quarterly on Gold, ₹2,000 plus Platinum membership and a makeover on Platinum, ₹1,500 quarterly on Black). No lounge access on any of the three — these are store cards and earn like it, with value only inside Shoppers Stop. All three are already on our board.
- 7 Jan 2026RBL bolts a 1% fee onto FASTag loads and tolls — the fifth 1% line on its charge sheet
- 1 Jul 2025RBL gates domestic lounges behind ₹35k a quarter
- 15 Oct 2024RBL strips points from education, government and wallet spends
Verified against RBL Bank's own documents on · the net-annual-value engine, at our house ₹/point
Every document behind this page — 3 of them, each with the day we read it
- official Product page — ₹1,500 + GST membership waived at ₹2,75,000, 15 Fuel Points per ₹100 at IndianOil capped at 2,000 a month, 2 per ₹100 elsewhere, and the quarterly milestone
- official Card T&C — the earn clauses, the ₹75,000 quarterly milestone, the excluded-MCC table, and the two redemption rates: ₹0.50 a Fuel Point at an IOCL pump, ₹0.10 on RBL's rewards portal
- official RBL Bank MITC — "RBL Bank IndianOil XTRA Credit Card INR 1,500 / INR 1,500 (NIL on eligible annual spends of INR 2.75 lakh)", add-on ₹200, forex 3.5%