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IndianOil RBL Bank XTRA Credit Card
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IndianOil RBL Bank XTRA Credit Card

Joining Fee₹1,500
Annual Fee₹1,500
Forex Markup 3.5%

⚖️ Card Verdict & Target Persona

Who Should Apply

High-mileage drivers and daily commuters fueling at IndianOil (IOCL) pumps wanting up to 8.5% fuel savings, quarterly lounge visits, and RuPay UPI support.

Who Should Avoid

Motorists fueling at HPCL or BPCL stations or users unable to hit the ₹50,000 quarterly lounge spend gate.

🎁 Key Features & Highlights

🎉

Joining & Activation Welcome Gift

3,000 bonus Fuel Points (worth ₹750 in fuel) on completing first transaction at an IndianOil pump within 30 days

Up to 8.5% Savings on IndianOil Fuel

Earn 15 Fuel Points per ₹100 (up to 8.5% total fuel valueback including surcharge waiver) at IndianOil fuel stations via IOCL POS.

Domestic Airport Lounge Access

2 complimentary domestic airport lounge visits per calendar quarter (8 visits/year on min ₹50k quarterly spend).

Quarterly Milestone Fuel Bonus

1,000 bonus Fuel Points on achieving quarterly spend milestone of ₹75,000.

💰 Reward Structure & Point Valuation

1 Fuel Points = ₹0.25
Standard Base Earning
2 Fuel Points per ₹100 spent on other retail purchases (0.50% return; 1 FP = ₹0.25)
Accelerated / Partner Rate
15 Fuel Points per ₹100 (3.75% return) at IndianOil fuel pumps (capped at 2,000 points/month); 15 Fuel Points per ₹100 on Groceries and Supermarkets (capped at 1,000 points/month); 1,000 bonus Fuel Points on ₹75k quarterly spend
Points Validity:24 Months
Redemption Fee: ₹99 + GST / cycle
Redemption Modes: Instant Fuel Redemption at IndianOil Petrol Pumps via XTRAREWARDS (1 FP = ₹0.25), RBL Rewards Portal (Brand Vouchers & Electronics)
🚫 No Reward Points / Cashback on:
Non-IOCL Fuel Wallet Loads Rent Payments Government Transactions Cash Advances EMI

🛋️ Airport Lounge Access & Spend Criteria

✓ Lounge Access Active
🛫
Domestic Lounge Visits2 complimentary domestic airport lounge visits per calendar quarter (8 visits/year)
🌐
International Lounge VisitsNone
⚠️

Spend Criteria: Requires minimum retail spend of ₹50,000 in the previous calendar quarter

⚡ Spend Milestones & Special Perks

Annual Fee Waiver ₹200,000/yr
Annual renewal fee of ₹1,500 + GST is waived off on spending ₹2,00,000 or more in the previous anniversary year
UPI Payments Support✓ Supported (RuPay)
2 Fuel Points per ₹100 on eligible RuPay merchant UPI transactions
Fuel Surcharge Waiver1% Surcharge Waived
1% fuel surcharge waiver for transactions between ₹500 and ₹4,000 at IOCL pumps (Capped at ₹250/mo)

📋 Eligibility Criteria

✓ Official Criteria
Age Limit21 - 70 Years
Min. Monthly Income₹35,000
Min. Credit Score720 CRIF
Employment TypeSalaried / Self-Employed

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):3.99% per month (47.88% per annum)
Late Payment Penalties:Late payment charges slab-based up to ₹1,300
Official Bank Portal Application

Get the IndianOil RBL Bank XTRA Credit Card

Annual Fee: ₹1,500/yr (Waivable)

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Frequently Asked Questions

No, IndianOil RBL Bank XTRA Credit Card has a joining fee of ₹1500 and an annual renewal fee of ₹1500 (plus applicable taxes).