IndianOil RBL Bank XTRA Credit Card credit card
Fuel

IndianOil RBL Bank XTRA Credit Card

RBL logo RBL
7.6
CardTrail Score
Very Good
out of 10
Net Value
9.1
Accessibility
9.5
Feature Depth
5.0
Bank Trust
6.5
How we score →
Annual Fee
₹1,500
Spend Rs 2.75L/year
Forex Markup
3.5%
Reward Rate
1%
Up to 8.5%
Lounge Access
0
domestic | 0 intl

About This Card

IndianOil RBL XTRA is the best credit card for IndianOil customers, offering 8.5% value back on IOCL fuel purchases and 1% on other spends. The 3,000 Fuel Points welcome bonus effectively covers the first year's fee.

Pros & Cons

Pros

  • 8.5% value back on IndianOil fuel — best fuel card for IOCL users
  • 3,000 Fuel Points welcome bonus worth Rs 1,500
  • 1% additional value back on non-fuel spends
  • RuPay variant supports UPI + NCMC

Cons

  • Rs 1,500 + GST fee (waived at Rs 2.75L spend)
  • Fuel Points cap of 2,000/month limits savings for heavy users
  • Points redeemable only at IndianOil stations
  • No lounge access

Fee Details

Annual Fee
₹1,500
Joining Fee
₹1,500
Fee Waiver Condition
Spend Rs 2.75L/year
Fuel Surcharge Waiver
Yes
EMI Conversion
Yes

Reward Structure

Base Rate
1%
Max Rate
8.5%
Currency
Fuel Points (1 FP = Rs 0.50)
Welcome Bonus
3,000 Fuel Points (Rs 1,500) on joining fee payment + Rs 500 spend in 30 days

Lounge Access

Domestic Lounges
0
International Lounges
0

Key Highlights

  • 8.5% value back on fuel at IndianOil outlets
  • 15 Fuel Points per Rs 100 at IndianOil (cap 2,000 FP/month)
  • 1% fuel surcharge waiver up to Rs 200/month
  • Available on both Mastercard and RuPay networks

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Quick Summary

Best For
fuel indianoil
Annual Fee ₹1,500
Base Reward 1%
Max Reward 8.5%
Forex Markup 3.5%
Network Mastercard
Min Income No minimum

CardTrail Score

7.6
/ 10

Scored across rewards, fees, lounge access, forex, and overall value. Methodology.

Best For

fuel indianoil petrol

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