⛽ IndianOil RBL Bank Credit Cards – Save up to 7.5% on Every Fuel Purchase
RBL Bank • IndiGo co-branded
Airline co-branded (IndiGo)
Description
⭐ Overall Rating: ★★★★☆ (4.5/5)
🏦 Issuer: RBL Bank
⛽ Co-brand Partner: IndianOil
💳 Card Variants:
-
IndianOil RBL Bank Credit Card (₹500 fee)
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IndianOil RBL Bank XTRA Credit Card (₹1,500 fee)
The IndianOil RBL Bank Credit Card Series is tailor-made for motorists and frequent fuel spenders who refuel at IndianOil outlets.
With the base version offering 5% effective savings (10 Fuel Points per ₹100 spent) and the XTRA variant pushing that up to 7.5%, both cards help you offset rising fuel costs easily.
Each card also features fuel surcharge waivers and simple redemption at IndianOil pumps — making them ideal for anyone looking to save regularly on petrol or diesel.
Annual Fees
Welcome Benefits
| Variant | Welcome Offer | Details |
|---|---|---|
| IndianOil RBL Credit Card | 1,000 Fuel Points | Worth ₹500 on first spend within 30 days |
| IndianOil RBL XTRA Credit Card | 3,000 Fuel Points | Worth ₹1,500 on spending ₹500 within first 30 days |
💡 Fuel Points can be redeemed at IndianOil pumps (1 FP = ₹0.50).
Rewards
| Spend Category | Base Variant | XTRA Variant | Monthly Cap |
|---|---|---|---|
| Fuel Spends at IndianOil | 10 FP / ₹100 (5%) | 15 FP / ₹100 (7.5%) | 1,000–2,000 FP |
| Other Purchases | 1 FP / ₹100 (0.5%) | 2 FP / ₹100 (1%) | No cap |
| Fuel Surcharge Waiver | 1% | 1% | Up to ₹100/month |
| Reward Value | 1 FP = ₹0.50 | 1 FP = ₹0.50 | Redeemable at IndianOil pumps |
💰 Milestone Benefits (XTRA Card)
| Milestone | Bonus |
|---|---|
| ₹75,000 spend / quarter | 1,000 Fuel Points |
| ₹3,00,000 annual spend | 4,000 Fuel Points + Annual Fee Waiver |
Eligibility
| Requirement | Details |
|---|
| Age | 21–65 years |
| Residency | Indian Resident |
| Income | Stable income (salaried/self-employed) |
| Credit Score | 700+ recommended |
| Location Advantage | Best suited for those near IndianOil outlets |
Fees
| Card Type | Joining Fee | Renewal Fee | Waiver Condition |
|---|---|---|---|
| IndianOil RBL Credit Card | ₹500 + GST | ₹500 + GST | Waived on ₹1.75L annual spend |
| IndianOil RBL XTRA Credit Card | ₹1,500 + GST | ₹1,500 + GST | Waived on ₹3L annual spend |
Other Key Fees:
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Interest Rate: 3.75% per month (45% p.a.)
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Cash Advance Fee: 2.5% (Min ₹500)
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Foreign Currency Markup: 3.5%
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Late Fee: ₹100 – ₹1,300 depending on amount duen Redeem your points instantly while paying for fuel at IndianOil pumps:
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Swipe or tap your IndianOil RBL card.
-
Press
#on the POS machine. -
Select Instant Redeem > XTRAREWARDS.
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Enter your registered mobile number and redemption amount.
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Amount gets deducted automatically in rupees.
💡 1 Fuel Point = ₹0.50 at redemption.
-
Documents Needed
Identity Proof: PAN Card, Aadhaar, Passport
Address Proof: Aadhaar, Utility Bill, Driving License
Income Proof: Salary Slip / ITR / Bank Statement (3 months)
Photograph: Passport-size photo
Value Illustration
| Monthly Fuel Spend (₹) | Base Card Savings (5%) | XTRA Card Savings (7.5%) | Annual Savings |
|---|---|---|---|
| ₹5,000 | ₹250 | ₹375 | ₹3,000 – ₹4,500 |
| ₹10,000 | ₹500 | ₹750 | ₹6,000 – ₹9,000 |
Add ~1% fuel surcharge waiver → Total Effective Savings: 6% – 8.5%
💡 One of the highest fuel-specific reward rates for IndianOil users.
Final Summary
| Feature | Base Card (₹500) | XTRA Card (₹1,500) |
|---|---|---|
| Fuel Reward Rate | 5% | 7.5% |
| Non-Fuel Rewards | 0.5% | 1% |
| Welcome Benefit | 1,000 FP | 3,000 FP |
| Milestone Rewards | None | Quarterly & Annual Bonus |
| Annual Fee Waiver | ₹1.75L Spend | ₹3L Spend |
| Best For | Regular Drivers | Heavy Fuel Users |
| Total Annual Value | ₹5,000–₹6,000 | ₹9,000–₹10,000 |
💡 Verdict:
If your monthly fuel bill is under ₹5,000, go for the ₹500 IndianOil RBL Card.
If you spend ₹10,000+ monthly on fuel, the XTRA Card easily pays for itself with superior 7.5% returns and milestone rewards.
Disclosure: We may earn a commission from qualifying approvals.