Indian Oil RBL Bank XTRA Credit Card

Annual fee₹1,500Waived on ₹2.8L spend

RewardsGet 2 fuel points on INR 100 spent on every other purchases like shopping and more!

Forex markup3.5%

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Welcome benefits

worth ₹1,500

3,000 Fuel Points on first purchase above ₹500 within 30 days

Type: Fuel Points
Trigger: Spend ₹500 within 30 days
Partner: Indian Oil

Rewards

Base earn rate

Get 2 fuel points on ₹100 spent on every other purchases like shopping and more!

XTRA Fuel Points

Excludes: Utilities, Insurance, Quasi-Cash, Railways, Real Estate/Rental, Education, Wallets/Service Providers, Government Services, Contracted Services, Cash, Miscellaneous, Bills2pay, Emi

Category	Rate	Cap
Fuel	—	Maximum 2,000 fuel points per month

• Redemption fee: ₹99

Milestone benefits

Threshold —(quarterly)→ 1,000 fuel points
Threshold —(monthly)→ up to 250 litres of free petrol as fuel points annually

Fees & charges

Joining fee: ₹1,500+ GST
Annual / renewal fee: ₹1,500+ GST
Annual fee waiver: Annual fee waived if you spend more than ₹2,75,000 per year. Important note - Annual fee waiver benefit is applicable only if the annual fees is paid.
Add-on card fee: ₹200
Interest rate: 3.99% per month (47.88% p.a.)
Interest-free period: 50 days
Cash advance fee: 2.5%, min ₹500
Overlimit fee: 0%
Payment dishonour: ₹500
Forex markup: 3.50%
Reward redemption: ₹99 per redemption
Fuel surcharge: 1% waiver, max ₹3,000/cycle

Late payment

12.5% of Total Outstanding Amount, ranges ₹5 – ₹1,300

Features

✓ UPI linkage

Additional features

National Common Mobility Card (NCMC) on RuPay network
UPI support on RuPay Credit Card
Revenue sharing arrangement between RBL Bank & Indian Oil

No rewards on

Utilities · Insurance · Quasi-Cash · Railways · Real Estate/Rental · Education · Wallets/Service Providers · Government Services · Contracted Services · Cash · Miscellaneous · Bills2pay · Emi

Card management via RBL MyCard App/RBL MyBank App.