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

IndianOil RBL Bank XTRA Credit Card is a paid credit card from RBL Bank. It is mainly useful for Fuel. This page explains its joining fee, annual fee, rewards and benefits, lounge access, useful platforms, pros, cons and who should consider this card.

Fuel
Card Details

IndianOil RBL Bank XTRA Credit Card details at a glance

Bank
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RBL Bank
Annual Fee
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₹ 1500, Annual fee waiver on spending above ₹ 2.75 Lakh in a year.
Joining Fee
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₹ 1500
Joining Bonus
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Get 3000 Fuel Points on shopping above ₹ 500 within 30 days of card issuance.
Best For
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Fuel
Cashback & Rewards
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  • 7.5% value back as 15 Fuel Points on every ₹ 100 spent at Indian Oil Fuel Stations (max. 2000 fuel points per month).
  • 1% fuel surcharge waiver of up to ₹ 200 per month on fuel transactions of ₹ 500 to ₹ 4,000.
  • 2X Fuel Points on other eligible spends.
  • 1 Fuel Point = ₹ 0.5
Perks
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Get 1000 fuel points on crossing quaterly milestone of ₹75,000.
Domestic Lounge Access
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Not Available
International Lounge Access
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Not Available
Useful Platforms
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Not Available
Apply
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Pros and Cons of IndianOil RBL Bank XTRA Credit Card

A quick view of where this card works well and where it may not be the best fit.

Pros

✓ Focused value for IndianOil fuel station users.
✓ Fuel points structure can be useful for regular fuel spending.
✓ Quarterly milestone fuel points can add extra value.
✓ Fuel surcharge waiver benefit is useful for eligible fuel transactions.

Cons

✗ Best value is limited to IndianOil fuel spends.
✗ No lounge access as per current card data.
✗ Not useful for shopping, grocery, food delivery or UPI spends.
✗ Annual fee applies, so low fuel spenders may not recover enough value.

Who Should Consider IndianOil RBL Bank XTRA Credit Card?

This card is more useful for users with specific spending patterns.

Good Fit For

✓ Users who regularly refuel at IndianOil outlets.
✓ People with predictable monthly fuel expenses.
✓ Users who understand and can redeem fuel points.
✓ People who can use milestone fuel benefits.

May Not Be Ideal For

✗ Users who refuel at BPCL, HPCL or mixed fuel stations.
✗ People who want a general cashback card.
✗ Users who want lounge access.
✗ Low fuel spenders who may not justify the annual fee.

Not sure if IndianOil RBL Bank XTRA Credit Card is best for you?

Use CardBachat AI to compare IndianOil RBL Bank XTRA Credit Card with other cards based on your income, monthly spend, preferred platform and lounge preference.

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Frequently Asked Questions

Quick answers before you compare or apply.

Is IndianOil RBL Bank XTRA Credit Card worth it?

IndianOil RBL Bank XTRA Credit Card can be useful if your spending matches its main benefit categories such as Fuel. Always compare it with other cards before applying.

What is the annual fee of IndianOil RBL Bank XTRA Credit Card?

As per the current CardBachat card database, the annual fee is ₹ 1500, Annual fee waiver on spending above ₹ 2.75 Lakh in a year.. Always verify the latest terms with the bank before applying.

Does IndianOil RBL Bank XTRA Credit Card offer lounge access?

As per the current CardBachat data, lounge access details are shown above if available. Benefits can change, so verify the latest terms directly with the bank.

Who should apply for IndianOil RBL Bank XTRA Credit Card?

Users who frequently spend on Fuel may consider this card. Users with different spending patterns should compare alternatives on CardBachat first.

Disclaimer: CardBachat provides educational credit card comparison assistance only. It does not guarantee approval, cashback, rewards, lounge access, or financial benefit. Final approval depends on bank eligibility, credit score, documents, income, bank relationship, and internal policies. We may earn a commission if you apply through affiliate links, at no extra cost to you. Read the full Disclaimer.