IndianOil RBL Bank XTRA RuPay Credit Card
RBL Bank
Last updated: Feb 03, 2026
₹1,500
₹1,500
3.5%
No lounge access
Contents
A co-branded fuel card built for regular IndianOil customers. It offers accelerated fuel points at IndianOil pumps, milestone bonuses and a monthly fuel surcharge waiver designed to deliver strong value back on fuel purchases while also earning rewards on other retail spends.
Features of IndianOil RBL Bank XTRA RuPay Credit Card which makes it unique
UPI-Enabled RuPay Credit Card
The RuPay variant of the card can be linked to UPI apps, allowing users to make UPI QR payments directly using their credit card while continuing to earn rewards.
Seamless UPI payments with credit card convenience
More flexible than traditional fuel cards that do not support UPI usage
Clear Spend Milestone Structure
The card offers clearly defined quarterly and annual spend milestones that reward users with bonus fuel points and annual fee waivers without complex conditions.
Easy-to-track bonus rewards and fee waiver
Simpler milestone structure compared to many fuel and co-branded cards
Rewards Structure of IndianOil RBL Bank XTRA RuPay Credit Card
Fuel (IndianOil)
acceleratedFuel purchases at authorized IndianOil fuel stations
Rewards are applicable only on fuel transactions made at IndianOil outlets. Per-transaction value limits and monthly caps apply as per card terms.
IndianOil Fuel Rewards: Accelerated fuel points are earned only on eligible fuel transactions made at IndianOil outlets. Rewards are subject to per-transaction value limits, monthly caps, and correct merchant classification.
Grocery & Supermarkets
baseSpends at grocery stores and supermarkets
Merchant must be classified under eligible grocery MCCs
Grocery Spend Rewards: Base reward points are earned on grocery spends where the merchant category is correctly identified. Online grocery platforms may be excluded.
Dining & Restaurants
baseRestaurant, cafe, and dine-in spends
Food delivery and aggregator apps may be excluded
Dining Rewards: Rewards are applicable on restaurant transactions tagged under eligible merchant categories. Transactions through delivery apps may not qualify.
Milestones of IndianOil RBL Bank XTRA RuPay Credit Card
Quarterly Milestone
₹75,000 : 1,000 Fuel Points
Quarterly Spend Bonus: Earn bonus fuel points on achieving cumulative eligible spends of ₹75,000 within a calendar quarter. Excluded transactions such as cash withdrawals, fees, EMI conversions, and wallet loads are not counted.
Half-Yearly Spend Milestone
₹1,50,000 : 2,500 Fuel Points
Half-Yearly Bonus Reward: Bonus fuel points are credited on meeting the half-yearly spend threshold. Spends must be completed within the defined six-month period as per card terms.
Annual Spend Milestone
₹2,75,000 : Annual Fee Waiver
Annual Fee Waiver Benefit: The annual membership fee is waived on achieving total eligible spends of ₹2,75,000 or more in a card anniversary year. Excluded transactions do not count toward the spend threshold.
Fees & Charges of IndianOil RBL Bank XTRA RuPay Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹1,500+ GST |
| Annual Fee | ₹1,500+ GST |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 2.5%of the cash amount (min INR 500) |
| Late Payment Fee | 12.50%of Outstanding amount Min. INR 5 Max INR 1,300/- |
| Over Limit Fee | 0 |
| Returned Payment Fee | ₹500for all RBL Bank Credit Cards |
| Cash Withdrawal Fee | 2.50%of withdrawal amount minimum fee 500 |
Renewal Conditions:Annual fee waived on ₹2,75,000 annual spend (membership fee must be paid).
Fee Explanation Standard bank charges apply; see RBL Bank 'Schedule of Charges' for exact slabs and GST. Late payment fee details: As per bank schedule.
Detailed Explanation of IndianOil RBL Bank XTRA RuPay Credit Card Fees
Fuel Surcharge Waiver: 1% fuel surcharge waived (Up to applicable monthly cap) (Per eligible fuel transaction)
Applicable on fuel purchases made at authorized fuel stations for transaction values between ₹500 and ₹4,000. Monthly surcharge waiver is capped as per card terms. GST on surcharge is not waived.
Fuel Surcharge Waiver Conditions: A 1% fuel surcharge waiver is applicable on eligible fuel purchases made at IndianOil fuel stations within the specified transaction range. The waiver is credited to the card account as a statement credit and is subject to a maximum cap of ₹250 per billing cycle. GST on the fuel surcharge is not reversed. Transactions outside the eligible range or at non-participating outlets may not qualify.
Cash Withdrawal Fee: 2.5% of withdrawn amount (Minimum ₹500) + GST (Per cash withdrawal)
Charged on ATM cash withdrawals using the credit card. Interest is applicable from the transaction date.
Cash Withdrawal Charges: Cash withdrawals using the credit card attract a fee of 2.5% (minimum ₹500). There is no interest-free period, and interest starts immediately until the amount is fully repaid.
Late Payment Fee: 12.5% of Outstanding amount Min. INR 5 Max INR 1,300/- (Per billing cycle)
Levied if the minimum amount due is not paid by the payment due date.
Late Payment Penalty: Late payment charges are applied if the minimum due is not cleared on time. The fee varies based on the outstanding amount and may negatively impact the cardholder’s credit score.
Returned Payment Fee: ₹500 for all RBL Bank Credit Cards (Per failed payment)
Applicable if cheque, ECS, auto-debit, or online payment fails due to insufficient funds or incorrect details.
Failed Payment Charges: A returned payment fee of ₹500 is charged whenever a payment fails. Repeated payment failures may also result in late payment charges and credit score impact.
Membership / Annual Fee: 1500+GST (yearly)
Waived if ₹2,75,000 annual spend is met; waiver applicable only after fee is paid. (Waiver is applicable only if the spend threshold is achieved within the card anniversary year.)
Annual Fee Waiver Condition: The annual membership fee of ₹1,500 + GST is charged every year starting from the second year. This fee is waived if total eligible spends of ₹2,75,000 or more are completed within the preceding card year. Excluded transactions such as cash withdrawals, fuel surcharge, fees, interest, and government payments may not be counted toward the waiver threshold, as per card terms.
Additional Features of IndianOil RBL Bank XTRA RuPay Credit Card
Contactless Payments
Supports tap-and-pay transactions for quick and secure payments at enabled POS terminals.
Subject to contactless transaction limits and merchant terminal support.
Tap & Pay Convenience: Contactless payments allow faster checkout for low-value transactions without entering a PIN. Higher-value transactions may require PIN authentication as per RBI guidelines.
Smart EMI Facility
Option to convert eligible high-value purchases into monthly EMIs after the transaction.
EMI conversion is subject to minimum transaction value, applicable processing fees, and interest rates.
Post-Purchase EMI Option: Cardholders can convert large purchases into EMIs through RBL Bank’s channels. EMI terms, tenure, and charges are defined by the bank and may vary by transaction.
Add-on Card Facility
Add-on cards can be issued for eligible family members.
Add-on card usage shares the primary card’s credit limit.
Family Add-on Cards: Add-on cardholders can enjoy card benefits under the same account, while all spends and repayments remain the responsibility of the primary cardholder.
Welcome Bonus with IndianOil RBL Bank XTRA RuPay Credit Card
Welcome Bonus: 3,000 Fuel Points
Bonus Conditions: Welcome benefit applicable only after annual membership fee is paid.
Application Process for IndianOil RBL Bank XTRA RuPay Credit Card
Processing Time
3–7 working days (may vary by profile)
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via RBL Bank or Finanjo portal
Online Application: Start the application by submitting basic details such as name, mobile number, PAN, and income information on the official RBL Bank website or the Finanjo portal. Ensure all details match your PAN records.
Upload KYC documents
KYC & Documents: Upload required documents including PAN, address proof, and income proof. Aadhaar-based eKYC or video KYC may be required to complete the verification process.
Bank verification and approval
Credit Assessment: RBL Bank conducts internal credit checks, employment verification, and contact verification through a call or OTP. Approval is subject to credit score, income eligibility, and bank policies.
Card dispatched after approval
Card Dispatch: Once approved, the credit card is dispatched to your registered address. Delivery usually takes 5–7 working days, depending on your location.
Required Documents for IndianOil RBL Bank XTRA RuPay Credit Card
PAN Card
Salaried, Self-EmployedAccepted documents:
Mandatory Identity Proof: A valid PAN card is mandatory for credit card application and KYC verification. Applications without PAN cannot be processed as per RBI guidelines.
Address Proof
Salaried, Self-EmployedAccepted documents:
Residential Address Verification: A valid address proof is required to verify the applicant’s current residential address. The document should be clear, legible, and match the address provided in the application form.
Income Proof
SalariedAccepted documents:
Salary Income Verification: Income proof is required to assess repayment capacity. Salary slips and bank statements must clearly show employer name, salary credit, and date.
Income Proof
Self-EmployedAccepted documents:
Business Income Assessment: Self-employed applicants must submit income documents to evaluate business stability and income consistency. Additional documents may be requested by RBL Bank during verification.
IndianOil RBL Bank XTRA RuPay Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India at RuPay-accepting merchants
International Acceptance
RuPay acceptance varies internationally; check merchant and network support
Online Acceptance
Yes, where RuPay is accepted
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for IndianOil RBL Bank XTRA RuPay Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
720+
Citizenship
Indian resident
Income Requirements
Salaried Applicants
₹200,000
Minimum annual income
Self-Employed Applicants
₹200,000
Minimum annual income
Who Can Apply
Important Conditions
- Existing loans and credit obligations should be within acceptable limits.
- Must reside in a serviceable city/location as per RBL Bank coverage
- Approval is subject to internal credit checks and verification by RBL Bank
How Approval Is Decided
- Indian resident
- KYC completed
- Approval subject to bank's internal credit checks
Pros of IndianOil RBL Bank XTRA RuPay Credit Card
- Excellent fuel rewards at IndianOil stationsHigh Fuel Savings: The card offers strong fuel rewards and surcharge waiver benefits on purchases made at authorized IndianOil fuel stations, making it ideal for frequent fuel spenders.
- Clear milestone and welcome benefitsEasy-to-Achieve Milestones: Well-defined quarterly and annual spend milestones help cardholders earn bonus fuel points and fee waivers without complex conditions.
- RuPay variant supports UPI / NCMC featuresUPI-Enabled Credit Card: The RuPay variant allows linking the credit card to UPI apps and supports NCMC features, enabling seamless digital and transit payments.
Cons of IndianOil RBL Bank XTRA RuPay Credit Card
- Membership fee (₹1,500+GST) to startPaid Card: The card carries a joining and annual fee, which may not suit users with low annual spending who are unable to meet the waiver threshold.
- Reward exclusions for several merchant categoriesLimited Reward Eligibility: Spends on utilities, government payments, wallets, EMI conversions, and certain other categories do not earn rewards.
- Limited non-fuel premium benefits (no lounge access)Not a Travel Card: This card does not offer airport lounge access, hotel benefits, or travel-related perks, making it less suitable for frequent travelers.
Frequently Asked Questions about IndianOil RBL Bank XTRA RuPay Credit Card
Do I get airport lounge access with this card?
No, this card does not offer domestic or international airport lounge access.
IndianOil RBL Bank Credit Card is a fuel-focused card and does not include travel or lounge-related benefits.What is the forex markup fee on international transactions?
A 3.50% forex markup fee + GST is charged on international transactions.
The forex markup applies to both online and offline transactions done in foreign currency.Can Fuel Points be converted to airline miles or hotel points?
Yes, a 1% fuel surcharge waiver is available on eligible fuel transactions, capped at ₹200 per month. GST on the surcharge is not waived.
Fuel surcharge waiver is applicable only on transactions within the specified value range and at eligible fuel merchants.What credit score is required to apply for this card?
A CIBIL score of around 700 or above is recommended for better approval chances.
Final approval is subject to internal credit assessment by RBL Bank.How long does it take to receive the credit card after approval?
The card is usually dispatched within 5–7 working days after approval.
Delivery timelines may vary depending on location and verification completion.Add Your Review
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